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Home Equity Loans

Unlock the hidden money
in your home!

Whether you need to consolidate debt, have unexpected expenses, or simply need some extra cash on hand, a Home Equity Loan1 or Home Equity Line-of-Credit2 may be able to help.

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MOST COMMON TYPES OF HOME EQUITY LOANS:

GENERAL HOME EQUITY LOAN (Second Mortgage)

Home Equity Loans give you a lump sum upfront to spend. Its oftentimes referred to as a second mortgage because it functions just like a mortgage, but the loan amount is secured by the equity in your home. Funds from a general Home Equity Loan are perfect for non-recurring expenses like:

  • Paying down student loan debt
  • Major home renovations
  • Consolidating debt from high-interest rate credit card balances

HOME EQUITY LINE-OF-CREDIT (HELOC)

A HELOC is a secured line-of-credit you can tap into as needed, up to your approved limit. With a HELOC, you only use as much as you need, and you only pay back what you use. A HELOC is a great loan when you need more flexibility because you aren’t sure how much you’ll need to borrow or when you’ll need the funds. HELOCs are perfect for recurring expenses or projects with undefined costs:

  • Paying college tuition or medical expenses
  • Undefined home improvement or remodeling projects

HOW TO GET STARTED

Our Loan Officers aim to provide the best service possible. We know the importance of having a strong partner to help you find the right loan for you. We are committed to helping you understand your options and answering your questions. Here are some resources to help you get started:

HOME LOAN CALCULATOR VIEW RATES ADDITIONAL RESOURCES ONLINE APPLICATION  

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WHAT YOU NEED FOR YOUR APPLICATION
  • Two forms of identification (including one photo ID)
  • Two-year work history
  • Most current pay stub (within last 30 days)
  • W-2s and tax returns (from the last two years)
  • Bank statements (from the last two months)
  • Address history (from the last two years)
  • Homeowner insurance company name and phone number
  • Sales contract (only for purchase loans)
  • Legal description of the property (Warranty Deed or Trust Deed)
  • Current mortgage statement (if applicable)
  • Most recent awards letter for Social Security and/or pension income (if applicable)