More options to make it happen.
Your home has value, so use it! Tap the equity you’ve built in your home to cover costs from home improvements to debt consolidation. Whether you’re looking for a home equity loan or a home equity line of credit, we’re here to help you make your home work for you.
Get smart about utilizing your home’s equity.
Two great ways to access more funds is with either a Home Equity Loan or a Home Equity Line of Credit (HELOC).
A Home Equity Line of Credit (HELOC) is a line of credit that lets you borrow against the equity you have in your home. As a revolving line of credit, there are low minimum payments and the credit can be used repeatedly as you pay the balance down.
Your fixed rate Home Equity Loan, often referred to as a second mortgage, can be used to fund nearly any purchase, even a new vehicle, investment or vacation! If you are planning multiple purchases, or want to consolidate debt, you can use one loan application to handle it all at one time.
Borrow As Much As You Need
Our flexible, personalized loans are matched only by some of the best rates around!
Freedom & Flexibility
No set number of payments and multiple term options for repayment.
Simple as 1,2,3!
Getting your pre-approval and closing on a HELOC loan is quick and easy. Anyone can do this!
home equity line of credit
With a Home Equity Line of Credit, you can borrow what you need, when you need it. Use it for ongoing projects, unexpected expenses, and everything in between. Our Home Equity Line of Credit offers low minimum payments and flexible access to funds when you need them most.
Loan Type
Minimum Loan Amount
Maximum Loan Amount
Maximum Term
APR*
Max rate 14.00%
home equity loan/Second Mortgage
(up to 90% financing)
Our Home Equity Loan rates are some of the most competitive around. If you know how much you need upfront and want predictable monthly payments, a fixed-rate Home Equity Loan is a smart way to put your current equity to work.
| Loan Type | APR* as low as | Example payment on $10,000*** |
|
5 yr Fixed |
7.50% |
$200.38 per month |
|
10 yr Fixed |
7.75% |
$120.02 per month |
|
15 yr Fixed |
8.00% |
$95.57 per month |
***The above listed payments do not include amounts for taxes and insurance premiums, if applicable, and your actual payment may be higher. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes.
The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.
Check out our free resources to help you plan your purchase!
Want to discuss your options? Schedule a Consultation Today!
We’re here to help. Discuss your needs with a Loan Specialist and we can help you achieve your goals in a way that’s the safest bet for you.
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Life’s complicated enough, so we keep things simple! Understandable terms, reasonable rates, and all of the services you’d expect without interruption. That’s how United Financial makes banking a better experience for all.