Home Equity Line of Credit (HELOC) Loans

Make the most of the equity you already have in your home with a loan that makes it easier to tackle what life throws your way. Apply for a variable rate HELOC today, and we’ll help you navigate your eligibility based on your home’s value.

How to Apply

Get the process started online:

  1. Download and complete the application form:
    • Individual buyer application
    • Joint buyer application
  2. Gather documentation including:
    • Copies of two most recent years of Federal Income Tax Returns (Form 1040) with all attached Schedules
    • Copies of two most recent years of W-2s, 1099s, etc. for proof of income
    • Copies of one month of pay stubs
    • Three-month copies of bank statements
    • Proof of homeowner’s insurance indicating monthly/yearly premium
  3. Call us to schedule an appointment (585) 546-4279, or email Aimee directly at aimeez@rocmon.org. We’ll work with you directly to review your application and help answer any questions you have.

Our Rates

Effective as of: November 1, 2023

Home Equity Line of Credit w/80% LTV*
6.50% Floor
10 Year Term
Home Equity Line of Credit w/90% LTV*
7.00% Floor
10 Year Term

*Based on prime


Use our online calculators to get more information on lending and repayment options based on your budget and needs.

Financial decisions should not be made solely on the results from these calculators. Calculators are for informational purposes only. Always consult with your accountant or a professional advisor to get advice based on your needs.