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Home Equity Financing

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% 5.49% $250,000 $7,500
10 Years 80% 5.99% $250,000 $7,500
15 Years 80% 6.49% $250,000 $7,500

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* Lowest available rate. Rates based on credit history and qualification restrictions apply. All rates subject to change without notice. Contact us for more information.

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 September 19th, 2024, the Prime rate is 8.00%. 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.