Home Equity Loans

A home equity loan may be an excellent way to utilize the equity in your home for a variety of reasons.  It may be used to finance:

  • educational expenses,
  • major purchases such as a boat, car, second home, or once in a lifetime vacation,
  • unexpected major medical expenses, or to
  • consolidate high finance charge debts into a lower interest rate loan.
  • Home room additions or remodeling and redecorating.

Our origination fee on the Home Equity Line of Credit will be waived if you take a $20,000 draw when your credit line is originated.  Some of the customary third party fees, such as appraisal, title, etc., may also be waived. 

Please use the Home Equity Process to learn more about obtaining a home equity loan with us.  

Our Loan Representative can find the home equity loan that's right for you and give you quotes on current interest rates and closing costs. Or select the specific home equity loan program that interests you to learn more about our various loan programs.

2nd Lien 20 Yr Fixed Home Equity

Best Choice If:

You need your monthly payments to remain fixed over the life of the loan.
Advantages:

Level principal and interest payments for the full term of the loan.
Disadvantages:

Monthly payments are higher than a interest only payment.

2nd Lien 15Yr Fixed Home Equity

Best Choice If:

You need your monthly payments to remain fixed over the life of the loan.
Advantages:

Level principal and interest payments for the full term of the loan.
Disadvantages:

Monthly payments are higher than a interest only payment.

1st Lien 15 Yr Fixed Home Equity

Best Choice If:

You need your monthly payments to remain fixed over the life of the loan.
Advantages:

Level principal and interest payments for the full term of the loan.
Disadvantages:

Monthly payments are higher than a interest only payment.

1st Lien 20 Yr Fixed Home Equity

Best Choice If:

You need your monthly payments to remain fixed over the life of the loan.
Advantages:

Level principal and interest payments for the full term of the loan.
Disadvantages:

Monthly payments are higher than a interest only payment.

2nd Lien 7 Yr Fixed Home Equity

Best Choice If:

You need your monthly payments to remain fixed over the life of the loan.
Advantages:

Level principal and interest payments for the full term of the loan.
Disadvantages:

Monthly payments are higher than a interest only payment.

1st Lien 7 Yr Fixed Home Equity

Best Choice If:

You need your monthly payments to remain fixed over the life of the loan.
Advantages:

Level principal and interest payments for the full term of the loan.
Disadvantages:

Monthly payments are higher than a interest only payment.

1st Lien 25 Year HELOC

Best Choice If:

Flexibility to draw on funds when you need them.
Advantages:

Interest only payments for the first ten years.
Disadvantages:

Variable rate can adjust to a maximum of 18%.

2nd Lien 25 Year HELOC

Best Choice If:

Flexibility to draw on funds when you need them.
Advantages:

Interest only payments for the first ten years.
Disadvantages:

Variable rate can adjust to a maximum of 18%.

Mortgage Rates

The Loan Consultant feature determines the products and rates that match your needs.

Find Rates

Ready to Start?

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.

Apply