Your home is more valuable to you than you think!

Access your home’s hidden value! Whether you prefer the security of a fixed rate or the flexibility of a line of credit, both options leverage the equity in your home to provide affordable financing for home improvements, debt consolidation, or other financial needs. Choose a fixed Home Equity Loan for one-time home improvements and larger projects and use our variable Home Equity Line of Credit (HELOC) to pay for expenses, such as school costs, loan consolidation, weddings, vacations, etc.

FD Fixed-Rate Home Equity Loans

• Terms from 5 to 15 years 
• Amounts of up to 80% of the property's value, capped at $250,000
• Set interest rate and fixed monthly payments

FD Variable-Rate Home Equity Line of Credit (HELOC)

• Amounts of up to 80% of the property's value, capped at $250,000
• Variable interest rate
• 10-year draw/15-year repayment
• Draw what you want when you want it
• Only pay interest on what you draw

 Calculate

Home Equity Loan

Term	Max. Loan to Value	Rate*	Max. Loan Amt	Min. Loan Amt
5 Years	80%	5.24%	$250,000	$7,500
10 Years	80%	5.74%	$250,000	$7,500
15 Years	80%	6.24%	$250,000	$7,500

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APR = Annual Percentage Rate

5 Yr. HEFIX (80% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value. Property insurance is required. No pre-payment penalties. 

At a 5.24% interest rate, the APR for this loan type is 5.240%. The estimated monthly payment schedule would be: 60 payments of $1,898.14.

10 Yr. HEFIX (80% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value. Property insurance is required. No pre-payment penalties. 

At a 5.74% interest rate, the APR for this loan type is 5.740%. The estimated monthly payment schedule would be:120 payments of $1,097.19

15 Yr. HEFIX (80% CLTV)

The information provided is based on a $100,000 home equity loan. The rate lock period is 60 days and the assumed credit score is 740+. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value. Property insurance is required. No pre-payment penalties. 

At a 6.24% interest rate, the APR for this loan type is 6.240%. The estimated monthly payment schedule would be:180 payments of $856.88

 

Application Fee: $0.00

Closing Fees: $0.00

Annual Fee: $0.00

Home Equity Line of Credit

Term	Rate*	Floor	Max. Line
80% max. loan to value	Prime minus 0.75%	3.00%	$250,000

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Fully indexed rate is as low as Prime minus .75% with a floor of 3.00%. Rates based on credit history and qualification restrictions apply. As of Janurary 1st, 2025, the Prime rate is 7.50%. 10 yr draw/15 yr repay.  All rates subject to change without notice. Maximum APR is capped at 18.00%. Property insurance required. No pre-payment penalties. NMLS #669541. All rates subject to change without notice. Contact us for more information.