Home Equity Line of Credit (HELOC) — Home Bank is a home equity line of credit from Home Bank. Typical credit limit: There is no minimum credit line amount if the borrower pays closing costs in Louisiana and Mississippi and a $4,000 minimum credit line in Texas. Loan terms: The term of this revolving line of credit is 25 years (first 10 years: interest-only payments; last 15 years: principal and interest payments).