Home Equity Loans


Whether you're consolidating debt, taking a dream vacation, or renovating your home, 80% of the way won't get you there. So why be satisfied with only 80% of the equity in your home for your home equity loan?

We finance up to 100% of your home's value, less what you owe. Plus, you pay little to no fees, and no closing costs except escrow and appraisal if needed. All for a fantastic rate that saves you a bundle.

The equity in your home—which is roughly the amount it's worth minus the amount you owe on it—can serve as a powerful financial tool. You can often borrow more at a lower interest rate than with other types of loans.

Home Equity Line of Credit

Our variable rate HELOC is a secured loan. You can choose between taking a large sum all at once or accessing money as you need it. This makes it a good choice for remodeling your home, paying for college tuition, and serving as a source of emergency funds.

Home Equity Limited Draw Line of Credit

This fixed rate secured loan provides a lump sum amount with regular monthly payments. This is a good choice for consolidating your debts, purchasing big ticket items, or taking that dream vacation.

Our Loan Rates are Fantastic!

Our interest rate on our home equity line of credit is just 4.5% APR.* And our home equity loan rate is 4.74% - 6.24% APR.**

*Annual Percentage Rate effective as of 12/14/17 and subject to change. Variable Rate is equal to the Prime rate as published in the Wall Street Journal plus a margin of 0.00% subject to change every 3 months with a floor of 3.25% APR. The maximum APR that will be charged is 18%. Typical closing costs range from $0 - $1,000. Annual percentage rate is 1.5% higher for loan-to-value over 80%.

**Annual Percentage Rate effective as of 1/29/18 and subject to change. Annual percentage rate is 1.5% higher for loan-to-value over 80%.

Features of Home Equity Financing

Either kind of home equity financing offers these benefits:
  • Lower rates than with most other kinds of loans. Check current rates.
  • The interest you pay may be tax deductible (check with your tax advisor).
  • Take up to 20 years to repay, which can keep payments affordable.
  • No origination or annual fees—you pay only "pass through" fees, if any.
  • Borrow up to 100% of your home's value, less any current mortgages or liens. Minimum loan $10,000.

Our friendly, professional staff will guide you through the application process.


  •  TurboTax Sweepstakes - Save Up To $15