Turn your home equity into a flexible tool you can use to pay off debt, grow your investments, save or spend, all while reducing your interest charges. Mix and match HOMEWORKS^® with other banking products, split your mortgage between variable and fixed rates, or customize it to meet your current needs. Learn more from our experts about a home equity line of credit (HELOC).  You can use it anytime, it gives you access to credit at a low interest rate, and you can repay at your own pace.