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Home Equity

Unlock The Equity In Your Home.

Use A Home Equity Line of Credit1 For Home Renovation, Debt Consolidation, & More. Let Your Home Fund Your Next Big Dream.

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What can you do with a Home Equity Line of Credit1

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Renovate on your terms

Instead of taking out a home equity loan for a lump sum, a home equity line of credit (HELOC), gives you the freedom to withdraw smaller amounts as your projects grow and evolve.

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Pay off bills

If your HELOC has a lower interest rate than your credit card, student loan or other high-interest debt, you could pay them off using your HELOC and save money in the long run.

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Pay for emergencies

If you're facing an unplanned medical procedure or other emergency, a HELOC could be a better option than depleting your savings or using a high-interest credit card.

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Enjoy peace of mind

Maybe you need time off to care for a loved one. Or maybe you need to pay for tuition. A HELOC can be a great security blanket for whatever life throws your way.

Is a Home Equity Line of Credit1 right for you?

A home equity line of credit can be a fast and convenient way to get the money you need for large and small expenses. You can borrow now and later without having to reapply. Plus, unlike personal loans or credit cards, the interest on your home equity line may be tax deductible; consult your tax advisor. Our lines of credit offer competitive rates, flexible terms, and your choice of monthly due dates.

Calculate and see how much you may qualify for.

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Special Offer for Borrowers in Designated Communities

Opportunity Home Equity Line of Credit1**

2.99% Introductory 6-month APR as low as 8.75% variable APR thereafter* with our Opportunity Home Equity Line of Credit 2,3

**The introductory rate is available for the first six (6) months after account opening. Introductory offer valid through 6/30/24. After that time introductory offer could change. This offer may not be combined with any other discount.

Dwelling must be located in a Majority Minority census tract (census tracts having a 50 percent or more minority population) within certain counties and parishes in the Metropolitan Statistical Areas where Hancock Whitney operates. See a banker for details.

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Features & Benefits


Bank paid closing costs may apply*

*Subject to loan amount, geographical location and census tract limitations.3,2


Access with Online & Mobile Banking

Quickly view balances and remaining available credit, transfer funds and make payments easily5.


Fixed Rate Feature

Lock in a fixed rate on a portion of your credit line for a predictable payment and protection from rising rates4.


Flexible Terms

Features a 25 year term: revolving line for 10 years and then a 15 year repayment term.3,2

Have a lender contact you.

Enter your information below to have a banker follow up with more information on your HELOC options.

Visit a local financial center or call us at 1-877-844-4948, option 1.

1 Offer limited to new Home Equity Lines, not available on refinancing of existing Hancock Whitney Bank home equity line of credit or home equity loan, and requires a mortgage on an owner-occupied 1-4 family dwelling with minimum lendable equity of $10,000 and a maximum loan-to-value of 80% in Texas†, or a maximum loan-to-value of 90% in Mississippi, Alabama, Florida and Louisiana. Property insurance required. Rescission rights may temporarily restrict availability of funds. See a banker for details.

† Important Information for Texas Residents: Texas laws impose certain restrictions on loans and lines secured by a lien on your home. In Texas, each individual advance from your line of credit must be in an amount of at least $4,000. The maximum amount of your new home equity line or loan, when combined with the dollar amount of all other liens on your home, may not exceed 80% of the fair market value of your home on the date your home equity line or loan is made. Only one home equity line or loan is allowed on the home at a time and no more than one home equity line or loan may be made on the home within a 12-calendar month period. Other restrictions apply. See a banker for details.

Overdraft option and check access not available in Texas.

2 The Home Equity Line annual percentage rate (APR) is based on The Wall Street Journal Prime Rate (the “Index”) plus a margin ranging between 0.25% and 4.35%. The APR will vary but not exceed 21% in AL, MS or LA or 18% in FL or TX. Based on the 5/15/24 Index value of 8.50% and typical margin of 0.65%, the formula for subsequent monthly rate adjustments results in a current APR of 9.15%. Please note, due to the floor rate, the APR will never be less than 3.99%. Your APR may be higher. As of  5/15/24, APRs range from 8.75% to 12.85%. Repayment options and margins vary based on creditworthiness, loan-to-value percentages, whether the mortgage securing your line is a first or second mortgage, and other factors.

3 The Bank may not pay closing costs on certain geographical locations and census tracts. Please see a banker for limitations. Otherwise, the Bank pays most closing costs on home equity lines of credit up to and including $250,000. However, the Bank will not pay any fees associated with surveys or any curative title work that may be required in order to perfect a lien, nor will the Bank pay any initial or ongoing homeowner’s or condominium association fees or costs. All such fees and costs are the client’s responsibility. The Bank also will not pay any portion of the Alabama Mortgage Recording Tax, the Florida Intangible Personal Property Tax, the Florida Documentary Stamp Tax, and the Orleans Parish Documentary Tax (where those taxes may be applicable and vary with the loan amount) for a Line with a credit limit greater than $100,000. Clients have the option to pay closing costs on lines under and including $250,000 and receive a 0.50% rate discount on the regular non-promotional rate. On lines of credit over $250,000 the Bank might pay on your behalf a portion of your closing costs up to a maximum of $500. Fees associated with opening a Home Equity Line of Credit generally range from $0-$6,821.

If you voluntarily cancel your line of credit within 12 months of opening, you will reimburse to us the non-affiliated third-party closing costs we paid, up to 2% of your credit limit. In MS and LA only, you will reimburse the lesser of (i) 2% of your credit limit or (ii) 5% of the unpaid principal balance of your line at the time you cancel. No obligation to repay closing costs will apply in Texas. Additionally, no obligation to repay closing costs will apply if the source of the prepayment funds is a refinancing by us or an affiliate of ours or if the prepayment occurs more than one year from the date the loan is made.

* Closing Cost subject to loan amount, geographical location and census tract limitations. See a banker for details.

4 When using the fixed-rate option (also called a "takedown"), there is a $5,000 minimum amount and $50 fee for each takedown. Due to state law, we do not charge a takedown fee in Texas. You can have up to four takedowns outstanding at any time. Other terms and conditions apply. See a banker for details.

5 Line of Credit advances made in personal online banking require the SSN/TIN to match for both the Line of Credit Account and the Checking Account to which the money is being transferred and are limited to a maximum of 3 advances per day. All transfers are subject to certain terms and conditions, including any requirements or limitations imposed by the Online Banking Agreement, your Line of Credit Agreement, and/or applicable law. See a banker for details.

Offer subject to change without notice.

Hancock Whitney Bank, Member FDIC and Equal Housing Lender. All loans and accounts subject to credit approval. Terms and conditions apply.