You Love Your Home. Let It Love You Back.
When you need access to funds for a home improvement project or other needs, leverage the investment you made in your home purchase. A low fixed rate Home Equity Loan can give you cash from the equity you have built in your home.
Fixed Rates as low as APR*
Borrow up to 85% LTV with terms up to 15 years
No Annual Fees
No loan origination or annual fees
Calculate Your Potential Home Equity Value
Home Equity Calculator
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Need More Resources to Get Started?Check out our Home Equity Resource Center
Frequently Asked Questions
You can borrow as little as $25,000 or up to $200,000 depending on your credit history, available equity in the property and your current monthly debt.
Terms are flexible up to 180 months (15 years). You may select from a 5-, 10-, or 15-year repayment term. The interest rate is fixed for the term of your loan, and repayments are made in monthly installments of principal and interest.
Available credit is based on your loan-to-value ratio. Maximum loan-to-value 90%. Actual loan-to-value limit is based on application and credit review.
Yes, an appraisal is required to determine the value of your home and how much equity you have available.
No, the rate does not change based on the repayment term selected. Your qualifying rate is applicable to any available term.
Home Equity Line-of-Credit
Need recurring access to funds instead of a one-time loan? Consider a Home Equity Line-of-Credit.
Use Your Equity For Home Improvements
Using the equity in your home to finance your home improvements is a great idea. What improvements have the best return?
Consult your tax advisor. Borrower will be responsible for third party fees, such as: appraisal, tax and flood tracking, title insurance, and settlement service. Consult your tax advisor about tax deductions and your tax liability. Adequate homeowner’s insurance coverage is a requirement for this loan.
*APR=Annual Percentage Rate. Rate, terms, and conditions are subject to change without prior notification. Actual rate may vary based on the term, loan amount, your credit history, and other factors. Borrow up to 85% of your home value with a maximum of $200,000. Home Equity Loan payment example based on a minimum borrowing amount of $25,000 with a 15-year repayment schedule would have a monthly payment of $178.77. Current prime rate is 8.00% and is updated on the last business day of the month as published in the Wall Street Journal. Rate is subject to change. Home Equity Loans have a $375 upfront home appraisal cost that is due prior to closing. Adequate property and flood insurance is required. Speak with a Lending representative at 410-584-7474 about closing costs.