Viewpoint Bank offers loans for everything from a new auto, home improvement/home equity and tons of mortgage options. The bank's Home Equity Loans has features such as borrowing up to 80% of the customers home's value, no closing costs on loans of $100,000 or less, one rate fits all - terms up to 240 months - all with the same low rate and interest that may be tax deductible. No closing costs are applicable on second liens up to $100,000. An appraisal and title policy may be required on loans over $100,000. The bank's Home Equity Line of Credit has features such as borrowing up to 50% of customers home's value, no closing costs on loans of $100,000 or less, customers can withdraw $4,000 at a time and interest may be tax deductible. No closing costs are applicable on second liens up to $100,000. An appraisal and title policy may be required on loans over $100,000.