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Loans

H&R Block Bank offers a variety of loans to meet your needs.

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  • Home Loan

H&R Block Bank is here to meet your borrowing needs.

H&R Block Bank offers overdraft lines of credit and certificates of deposit loans. In addition we offer loans that are simple and easy to understand. We look forward to helping you with your borrowing needs.

Financing the purchase of a home is a major financial decision and you should know some of the options available to you. If you already own your home and have built up some equity, you should know how to put that equity to work for you.

Loan types

Residential Mortgage Loans

No matter how unique your situation, there's a solution that is best for you!
  • Adjustable Rate Mortgages

    The interest on an Adjustable Rate Mortgage (ARM) is not fixed, it changes during the life of the loan in line with movements in an index rate.

    The interest rate on an ARM is made up of two parts: the index and the margin. The index is a measure of interest rates generally and the margin is an extra amount that the lender adds. For example, if the interest rate for the financial index is 5.5% and your margin is 2.25%, then your rate at the time of adjustment would be 7.75%.

    When rates change, ARM monthly payments increase or decrease at intervals determined by the lender. However, the change in the monthly payment amount is usually subject to a Cap. You may also see ARMs referred to as AMLs (adjustable-mortgage loans) or VRMs (variable-rate mortgages).

  • Home Equity Loans
    A borrower uses the equity in their home as collateral for a Home Equity Loan. These loans are useful to finance major expenses such as home repairs, medical bills, or college education. A home equity loan creates a lien against the borrower's house, and reduces actual home equity.
  • Fixed Rate Mortgages
    A fixed rate mortgage guarantees the interest rate will remain the same over the life of the loan. This offers you the security of knowing the principal and interest portion of your monthly payment will not change.
Whether you want to add an overdraft line of credit to your H&R Block Bank checking account or get a fixed rate term loan secured by your H&R Block Bank Certificate of Deposit, options are available so you are ready to take advantage of a great opportunity, cover an emergency or consolidate some of your bills without paying high interest rates.
Just click here for the Consumer Loan Application. Please print, complete and fax your application to 1-816-854-8050.

You could get up to $1,000.

Get an H&R Block Emerald Advance® line of credit. GoEmerald Advance

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  • Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services Inc. Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients. Ameriprise Financial cannot guarantee future financial results. Ameriprise Financial and H&R Block are not affiliated.
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