Online Banking

forgot password?

Personal Banking

Home Equity Loans & Lines of Credit

Your home can be a valuable resource of credit. Equity -- the amount of money you would realize if you sold your house today -- can secure a personal line of credit or loan for you.


Whether you want to make home improvements, pay for major purchases or consolidate your debt, get the funds you need at a lower interest rate than most other loans or credit cards.

Choose the home equity product that's right for you or talk with a Middleburg Bank representative to determine which option fits your needs.

Fox Equity Line of Credit

This line of credit gives you convenience and financial flexibility. Borrow up to 80% of the value of your home, less any existing mortgages. There are no closing costs and you may prepay; however, if the loan is paid off within two (2) years of the loan closing date, there is a prepayment penalty of one percent (1%) of the principal loan amount.

Once your credit limit is determined, your new loan account is easily accessible and is an ongoing source of credit. A variable interest rate based on the Wall Street Journal Prime rate will apply. Other restrictions apply.

Access your Fox Equity by:

Fox Home Equity Loan (Second Deed of Trust)

Another equity option for clients who desire to borrow a set amount for an established term and a specified repayment plan is a home equity loan or second deed of trust. The interest rate is fixed for the term of the loan.  Borrow up to 80% of the value of your home, less any existing mortgages. There are no closing costs and you may prepay; however, if the loan is paid off within two (2) years of the loan closing date, there is a prepayment penalty of one percent (1%) of the principal loan amount. Other restrictions apply.

Call 703-777-6327, 540-687-6377, or 540-878-2800 to apply or stop by your nearest Middleburg Bank office today.


** Please consult a tax advisor regarding the deductibility of interest.

Chat Button
Our representatives are standing by
to assist you. Click to chat.