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You > Loans > Home Equity

Home Equity

Pay for those unexpected emergencies, purchase a vehicle, take a vacation, consolidate debt, or pay college tuition.  Home equity loans and lines of credit are that flexible.

As the Rochester, NY region's only local, full-service community bank, we've grown by offering competitive banking options and the kind of personalized service that builds long-lasting relationships.

CNB Home Equity:
  • Borrow up to 85% of the value in your home
  • No Closing Costs - the bank pays all closing costs (unless the account is paid off and closed prior to 3 years)
  • Tax Deductible - interest on your home equity loan may be tax deductible (consult your tax advisor)
  • Local decision-making and loan processing

It's fast, easy and secure.

Apply Online

Home Equity Fixed Loan

Several options are available to meet your financing needs.

CNB FlexEquity

Home Equity Line of Credit (HELOC) with up to five fixed-rate sub-loans.

SAFE Act Compliance & Mortgage Loan Originator Information 

Canandaigua National Bank & Trust and CNB Mortgage Company comply with all registration requirements for Mortgage Loan Originators (MLOs) in compliance with the federal Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act). If you would like additional information related to one of our MLOs, please use the following link to access the Nationwide Mortgage Licensing System and Registry:  http://www.nmlsconsumeraccess.org/

Title insurance may be required for lines greater than $250,000 or where there is no institutional first mortgage. If the line is terminated for any reason prior to 3 years from the date of closing, borrower will be required to repay third-party fees incurred by the bank. These fees can range between $244 and $2,974. Consult your tax advisor regarding interest deductibility.

Title insurance may be required for lines greater than $250,000 or where there is no institutional first mortgage. If the line is terminated for any reason prior to 3 years from the date of closing, borrower will be required to repay third-party fees incurred by the bank. These fees can range between $244 and $2,974. Consult your tax advisor regarding interest deductibility.