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Home Equity Solutions

Enjoy the convenience of a Home Equity Loan or FlexEquity Line of Credit. Use the available funds when and how you would like whether it be for renovations, college education, vacation, and more. Choose the type of loan and repayment structure that fits your needs.

CNB Home Equity Solutions:

  • Home Equity Loan - Fixed rate loans with various terms. 
  • CNB FlexEquity - Home Equity Line of Credit with up to five fixed-rate sub-loans.


Put the Equity in Your Home to Work

Borrow up to 85% of the equity in your home.                   


Convenient Access to Funds

FlexEquity Line of Credit allows convenient access to funds as you need it, plus a replenished line as repayments are made.


No Closing Costs

The bank pays all closing costs (unless the account is paid off and closed prior to 3 years).


Local Decision Making

All loans are decisioned and processed locally.                   


Discover the CNB difference.

As the only local, full-service, community-owned financial institution in the Greater Rochester Area, CNB is investing in you, your business, and your community. With local decision making and loan processing, your experience will be swift and simple. We offer competitive interest rates for home equity loans, auto loans, debt consolidation, home improvement loans, and more.  


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:

Title insurance may be required for loans greater than $250,000 or where there is no institutional first mortgage. Consult your tax advisor regarding interest deductibility.