Home Equity Loans
YOUR HOME. BETTER.
Wouldn't it be nice to remodel the kitchen, deck out the garage, or maybe landscaping the backyard for your best bud and helper?
Our Home Equity Loans and HELOCs can provide you with the extra cash you need... to pay down debt, add a pool for the kids, or put a down payment on an RV or second home.
So let's get started... you focus on your projects and we'll focus on getting you the loan.
| Interest-Only HELOC | Traditional HELOC | Home Equity Loan | |
|---|---|---|---|
| Perfect for... | those who want more time to repay | those who want funds as needed | those who want funds up front |
| Interest rate | Variable | Variable | Fixed |
| Limit amounts | $25k to $250k1 | $25k to $500k2 | $25k to $500k3 |
| Owner Occupied LTV4 Non-Owner Occupied LTV |
Up to 80% NA |
Up to 80% Up to 70% |
Up to 80% Up to 70% |
| Draw period | 10 years | 10 years | |
| Repayment period | Up to 20 years | Up to 10 years | Up to 20 years |
| Prepayment penalty | None | None | None |
| Online and Mobile Banking | Check | Check | Check |
Together...
Together, we can make
your financial goals a reality.
Basic Elements - Legal Text
1Rates range from 5.00% to 6.75% APR based on Prime Rate and creditworthiness. Prime Rate as of 6.16.22 is 4.75% APR. APR = Annual Percentage Rate. No annual rate cap and lifetime rate cap of 18.00%. 2Rates range from 4.75% to 9.75% APR for owner-occupied and 5.75% to 7.75% APR for non-owner occupied; based on Prime Rate and creditworthiness. Prime Rate as of 6.16.22 is 4.75% APR. APR = Annual Percentage Rate. Annual rate cap is 2.00%; lifetime rate cap is 6.00% above the initial rate at the time of funding. 3Estimated monthly payment based on a $25,000 loan for 5 years at 5.50% APR is $477.52 and subject to change. APR = Annual Percentage Rate. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply subject to type and evaluation of property, ownership and lien status. 4LTV = Loan to Value