Let's Get Started

Review the information below to help you get ready to apply for a home equity loan or line of credit.

  • Online banking login area circled on homeapage

    it's easy to apply!

    • Log into online banking.
    • Select the Apply Now option in the turquoise menu bar.
    • Select Apply for Loan or Sub Account from the dropdown menu.
    • For your convenience, the application will open with pre-filled information from your account.
    • Don’t have online banking? Click here to continue to a blank application.
    • Your application will take a few minutes to complete.
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    what you'll need to provide

    • Income verification (All borrowers/co-signers will need to provide their information.)
      • If earning wages: current paystub & prior year W2
      • If self-employed: rental or commission income, last two years of tax returns
      • If receiving social security or pension: award letters
    • Copies of most recent county, school, and village paid tax receipts
    • Property information (Must be your primary residence or vacation residence, and must be located within New York State.)
    • Estimated current market value of home
    • Copy of homeowner’s insurance policy
    • Signed Certification and Authorization form that Reliant will send you.
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    helpful information

    • A member of our team will review your application, and we will be in touch with you within two business days.
    • A home equity loan or home equity line of credit (HELOC) is secured by a mortgage on your home.
    • A HELOC has a fixed rate for an intro period, and afterward will have a variable rate.  Learn more about home equity loans and HELOCs.

Don’t have online banking or not a member yet?

Continue to a blank application

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