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Home Equity
Loans

Always Home.

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Features
Calculator
Rates & Fees
FAQ & Links

Features

  • Borrow up to 85% of the equity you have in your home
  • Fixed rate and closed-end term gives you the same payment over the life of the loan
  • Allows you to use equity, or value in your home as collateral
  • Great for debt consolidation
  • Rates are typically lower than other credit cards or personal loans, which could mean lower monthly payments
  • Perfect for home improvements or remodels
  • Can also be used for a new vehicle or other large purchases
  • Interest payments may even be tax deductible (see your tax representative)
  • Terms available up to 20 years

* Home equity loans and lines of credit require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 85% loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 85% loan to value equal $85,000 minus $40,000 owed, equals $45,000 equity available. Property insurance is required. The Home Equity Loan is a fixed rate and closed-end term with no annual fee. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. Up to 20 years terms for home equity loans and lines of credit.  Payment example: a 240 month loan at 8.50% APR would have monthly payments of $8.69 per $1,000 borrowed.

Calculator

InternetActive Calculators™
Fixed Rate Mortgage Calculator

Loan Amount:
Interest Rate:
Number of Months:
Additional Principal Per Month:
Calculate Payment Only
Calculate Payment and Display Amortization Schedule

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

Rates & Fees

Home Equity Loan4
Effective Date: May 24, 2017
ProgramAPR Range*TermEst. Payment/$1,000 borrowed
Fixed Rate - Primary Residence
75% CLTV - Up to $500K 7.50% - 8.50% 240 Months $8.07 - $8.69
85% CLTV - Up to $50K 8.50% - 9.50% 240 Months $8.69 - $9.33

*APR=Annual Percentage Rate. Rates valid as of . Terms and conditions subject to change without notice. Rate may vary depending on individual's credit history and underwriting factors.
Lowest payment factor based on lowest rate and highest payment factor based on highest rate.
** Home equity loans and lines of credit require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 85% combined loan to value (CLTV). No down payment required. Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 85% loan to value equal $85,000 minus $40,000 owed, equals $45,000 equity available. You can borrow up to 85% of homes value less what you owe. Property insurance is required. The Home Equity Loan is a fixed rate and closed-end term with no annual fee. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. Up to 20 years terms for home equity loans and lines of credit.
Payment example: a 240 month loan at 8.50% APR would have monthly payments of $8.69 per $1,000 borrowed.

FAQ & Links

How do I apply?

Please call us at (800) 743-7228 or visit your favorite branch to apply for your Home Equity Loan.

How do I view my loan officers NMLSR #?

Click here to view the registry.

What is the maximum available term?

We offer terms up to 20 years.

How much equity am I able to pull out of my home?

You are able to pull a maximum of 85% of the equity you have in your home.

Is this open-ended?

No, the home equity loan is a one-time disbursement.

Will my monthly payment vary?

No, with the Home Equity loan your interest rate is fixed for the life of the loan and your monthly payments stay the same.

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* Home equity loans and lines of credit require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 85% loan to value (LTV). Equity determined by the amount your home is worth minus the amount owed on the property. Example: home worth $100,000 multiply by 85% loan to value equal $85,000 minus $40,000 owed, equals $45,000 equity available. Property insurance is required. The Home Equity Loan is a fixed rate and closed-end term with no annual fee. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. Up to 20 years terms for home equity loans and lines of credit. Payment example: a 240 month loan at 8.50% APR would have monthly payments of $8.69 per $1,000 borrowed.

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