One lump sum. One low rate. One smart move.
Need cash for a big project or to pay off debt? Our Home Equity Loan gives you a chunk of money upfront—with a fixed rate and simple monthly payments that never change. It’s a solid choice when you know exactly how much you need.
How it Works
You borrow a lump sum, use it how you want, and pay it back with a set monthly payment over time. No surprises. No guesswork. Just peace of mind.
You get:
- Fixed interest rate for the life of the loan
- Terms from 10 to 20 years
- No changes to your first mortgage
- Start paying it back right away—no draw period
What Can I Use It For?
You name it. This loan is great for:
Home Renovations
New Roof or HVAC
Paying off high-interest credit cards
Tuition or School Expenses
Buying a car, boat or other big-ticket item
Weddings, medical bills, or anything life throws your way
You Decide
Get Your Cash - Apply Now
Start my ApplicationHome Equity Loan Details at a Glance
| Feature | What You Need to Know |
|---|---|
| Loan Type | Second mortgage, fixed-rate |
| Disbursement | One-time lump sum |
| Repayment | Starts right away, monthly principal & interest |
| Credit Score | 660+ |
| Max Combined Loan-to-Value (CLTV) | Up to 100% (including existing mortgage) |
| Max Debt-to-Income (DTI) | 45% |
| Property Type | Must be your primary residence |
Frequently Asked Questions
Q: Do I have to refinance my first mortgage?
A: Nope! This is a second mortgage. You keep your current mortgage just like it is.
Q: Is the interest rate fixed?
A: Yes! Your rate stays the same the whole time—no surprises.
Q: Can I pay it off early?
A: You sure can. There are no penalties for paying off the loan early.
Q: How long does it take to get approved?
A: We move fast. Most members get a decision in just a few days.