Home Equity Loans

Spring 2022 Special


  • 5-Year Term, Fixed Rate as low as 3.99% APR*

  • Plus, get $250 Off Closing Costs

*APR=Annual Percentage Rate. Limited time offer subject to change without notice. Offer valid with approved credit.


Traditional Second Mortgage / Home Equity Loan

For specific, large expenses — such as consolidating debt or making home improvements — this fixed-term, fixed-rate, closed-end loan is your best option. You’ll get a lump-sum payment and then make fixed monthly payments at a fixed interest rate.

Apply for Second Mortgage

 


Equity Access VISA

Easily access your home equity line of credit through a VISA credit card or with checks. Features a variable interest rate tied to the Wall Street Journal prime rate, plus certain percentage points.

Apply for Equity Access VISA



What’s my Home’s Equity?

To estimate your equity, use the appraised value determined by your county. Your loan application process will include a separate appraisal to confirm your home's value.

Estimation example:

$150,000 – Appraised value of home
x 90%
$135,000 – This is 90% of your appraised value
-50,000 – Amount owed on mortgage
$85,000 – Available equity




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Youth Accounts

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