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Home Equity

Always Home.

Because binge watching HGTV has you convinced you can retile your bathroom.

home equity and mortgage loans
Home Loans
Home Equity Loan
Rates & Fees
FAQ & Links


  • Borrow up to 80% 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
  • Terms available up to 20 years

Rates & Fees

Home Equity Loan4
Effective Date: June 20, 2024
ProgramAPR Range*TermEst. Payment/$1,000 borrowed
Fixed Rate - Primary Residence
70% CLTV - Up to $500K 6.75% - 8.25% Up to 120 Months $11.52 - $12.31
70% CLTV - Up to $500K 7.50% - 9.00% Up to 240 Months $8.09 - $9.04
80% CLTV - Up to $250K 7.25% - 8.75% Up to 120 Months $11.78 - $12.59
80% CLTV - Up to $250K 8.00% - 9.50% Up to 240 Months $8.40 - $9.37

*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 require an appraisal. Terms and rate contingent upon home’s appraised value. We will loan up to 80% 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 80% loan to value equals $80,000 minus $40,000 owed, equals $40,000 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 may be different, as many factors go into providing you with a mortgage loan. Up to 20 year terms for home equity loans.

FAQ & Links

How do I apply?

Use our online application portal or visit your favorite branch to apply for your Home Equity Loan.

How do I view my Mortgage Loan Officer's NMLSR #?

You can view the registry here.

How do I request the Home Mortgage Disclosure Act (HMDA) Disclosure?

You can request the HMDA Disclosure by visiting CFPB's website.

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 80% 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.

Related Links
Loan Rates
Contact Us
Loan Modification Form

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