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Got Equity?

Tap into the Value of Your Home

Unlock Your Home Equity

Home Equity Loan and Line of Credit

Tap into the value of your home—and make it work for you. Home equity loans and lines of credit are the perfect solution for debt consolidation, home improvements, education expenses and more.

Home Equity Loan:
Use the equity in your home to borrow a predetermined amount that is repaid on a fixed, monthly schedule.

Home Equity Line of Credit (HELOC):
Revolving line of credit with unlimited access up to your available credit limit.

Apply for a Home Equity Loan Apply for a HELOC

To determine how much equity you have in your home, figure out the difference between the appraised value of your home and your current mortgage balance.

Here’s a simple formula to calculate your home’s equity:

Current Appraised Value of Your Home ($250,000) – Outstanding Balance ($150,000) = Your Equity ($100,000)

Several websites, such as Zillow or Redfin, can help to provide a rough estimate of your home’s value. Looking at what comparable homes in your area have sold for is another great point of reference.

Click here for our home equity calculator.

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Home Equity APRs listed above are for owner-occupied single family residences, are effective as of the above date, and are subject to credit and collateral approval. Home Equity Line Of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal on the 15th day of each month (Index) plus a margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of each billing cycle. The Interest Rate will never be less than 3.99% or greater than 18.00%. Closing costs (if applicable) range from $299 to $1,500, including property appraisal and title insurance, if required. Maximum Combined Loan to Value subject to collateral and credit qualifications. Property insurance required. Other rates and terms are available for Investment Property or Manufactured Home Equity Lines of Credit. F Fixed Rates. V Variable Rates. T Tiered Rates. Tiered rates based on credit qualifications.

Fees & Costs: No Annual Fee. No Origination Fee. Title Report & Recording: $100,000 or Less: $299. Over $100,000: Actual Cost over $250. Appraisal may be required at an additional cost