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Home Equity Lines of Credit

Ready to remodel your kitchen or consolidate high-rate credit cards? Need money for college tuition bills? There's no better resource than the equity in your own home. If you're like most people, the purchase of your home has been your greatest single investment. At 1st Mariner Bank, we understand that home equity is a valuable financial resource—that’s why our Home Equity Lines are designed to help you achieve your financial goals. 

  • Quick approvals and easy settlements.
  • Personalized service.
  • Borrow up to 80% Loan-to-Value with 120-Month Draw Period. 
  • Minimum line amount is $10,000 and maximum line amount is $250,000.
  • 0.25% discount when you have a 1st Mariner Bank checking account with an active direct deposit.

    1Closing costs may apply.

With careful planning, the equity in your home can be used to pay for education, home improvements, automobiles, small business expenses, refinance of high-interest unsecured debt, or anything else you choose to finance.

Local Approvals and Servicing—Apply Now!

All of our consumer loans are approved and serviced locally so you get fast and efficient personal service. Give yourself the flexibility you need with your money and apply for a home equity line of credit today. Feel free to contact us for more information on what you need to get started.

Prefer a Fixed Monthly Payment and a Fixed Rate?

Learn more about 1st Mariner Bank’s Home Equity Loans, ideal for making large purchases, consolidating debt or for other one-time credit needs. Monthly payments are fixed and remain the same during the life of the loan, making it easy to budget.

Have Questions?

Visit our Home Equity FAQ page to learn more or give us a call at 410-558-4200 or toll-free at 1-888-561-BANK (2265).



1. Rates and Closing Costs
Rates may vary and the maximum APR is 18.00%. No transaction charges or membership fees apply. Closing costs may apply. These costs generally total between $850 and $1,300 based on a median line amount of $50,000 and depending on the location of the property. The No Closing Cost feature is subject to the terms and conditions stated in the Addendum to Home Equity Line Agreement, Disclosure and Note. We will initially pay these costs, but they must be repaid if the credit line is closed before its third anniversary. Closing costs exclude Prince George's County transfer tax. Our No Closing Cost feature does not include special costs which may arise in certain situations; for example, attorneys fees for trust arrangements, title insurance, survey fees and fees incurred for the preparation of legal documents where the borrower and owner of the property differ. Adequate property insurance is required. Prime as of 12/17/15 is 3.50%. The interest rate varies with prime, at 0.75% over prime.

2. Tax Advantage
You may be able to deduct 100% of your Home Equity Loan or Line of Credit interest on your income tax returns. Remember to consult your tax advisor to determine whether your Home Equity interest is tax deductible.

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