Home/Home Equity

Unlock your home's value. Preserve your rate.

Get funds for upgrades, debt payoff, or any significant goal — all without sacrificing your favorable first-mortgage rate. Funding available in as few as 5 days.

GET STARTED Estimate equity

Two paths to your equity

HELOC or Home Equity Loan — which suits you best?

HELOC (Line of Credit)

Draw funds as needed and pay interest only on the amount you use. Variable-rate. Ideal for ongoing projects or expenses with unpredictable costs.

  • Revolving credit line
  • 10-year draw window, 20-year repayment
  • Variable rate

Home Equity Loan (HELOAN)

Receive a lump sum at closing and repay on a predictable schedule. Fixed rate. Best for defined, one-time expenses such as a major renovation.

  • One-time lump-sum disbursement
  • 5-30 year terms available
  • Fixed rate

Popular uses

How homeowners put their equity to work.

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    Property improvements — kitchen remodels, room additions, ADUs, energy-efficiency upgrades
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    Debt consolidation — eliminate high-interest credit cards or personal loans at a significantly lower rate
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    Education funding — cover tuition costs without resorting to high-rate private student loans
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    Life milestones — weddings, medical expenses, launching a business
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    Investment property seed money — use your equity as a foundation to expand your real estate portfolio

How much equity is available to you?

Find out in under a minute with our home equity calculator.

Crunch the numbers