Here's How It'll Go

Starting Off

Start by visiting us in person or applying online. We'll ask you some questions about your home, expenses, and income and request a bit more documentation. Then, we'll take it under review and get back to you within a few days. If all goes well, we'll finalize your plan and if you're transferring an existing HELOC, we'll even help you close up at your other institution. That's it! You'll only pay a 1% origination fee, and we'll cover all other processing cost.** You could be all set up in a few short weeks!

Then What?

We'll continue making it as easy as possible to get the financing you need and you'll be able to borrow up to 100% of the value of your home. HELOC rates are as low as 3.50% APR*. That rate will change twice a year and never more than 1% per adjustment, so you'll always know what to expect. It will never increase more than 5% from your original rate.

And finally...

Open a HELOC March 8 - April 30 and you'll receive a $100 Lowe's gift card! It's our gift to you so you can start that DIY project you've been eyeing or stock up for that big reno you've been dreaming of. Your gift card will be sent via email by May 10, 2021. Valid email address required.

Check Out Our Rates

Types	APR* As Low As**	Special Requirements
1st or 2nd Mortgage	3.50%	144 month maximum/variable

Types

APR* As Low As**

Special Requirements

1st or 2nd Mortgage

3.50%

144 month

maximum/variable

Apply Now
Or call 800.256.8049

*APR = Annual Percentage Rate

**Rates based on less than 80% loan to value. Rates stated are variable and can change semi-annually on the first day of January and July. The rate cannot increase or decrease more than 1 percentage point per adjustment and no more than 5 percentage points above the initial rate or the maximum permitted by law, whichever is less. Loans up to $150,000. Origination fee of 1.00%, with additional fees for appraisal and/or title property if required for loan qualification. Rate adjustments occur twice a year and are based on Wall Street Journal Prime Rate + 0.25%. Floor rate cannot reduce below 3.5%.