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Use the equity you've built to get cash for home improvements, debt consolidation, or any financial goal.

When it comes to accessing cash from your home's equity, it pays to consider your options.

Home Equity Line of Credit (HELOC)


​We permit borrowing

up to 85% of your home's value (minus outstanding

Mortgage debts).


Typically, you have 5-10 years for cash withdrawals and an additional 20-25 years for repaying the principal with interest at a variable rate.


Qualification requirements usually include a credit score over 620, a debt-to-income ratio below 50%, and a minimum equity of 15%.

HELOC enables you to borrow cash from your home's value,
ideally for wealth-building purposes
like home improvements or significant life events.

About HELOC Rates:

  •  The APR for HELOC is influenced by factors such as credit scores, existing debt, and the desired loan amount.

  • We offer a fixed-rate option for HELOC/HELOAN, allowing you to lock in your APR during equity withdrawals, protecting your loan from fluctuating interest rates.

  • Other HELOC rates are tied to the prime rate, with a margin added based on borrower profiles. For example, a 1.5% margin on an 8.5% prime rate results in a 10% borrower rate.

  • Some HELOCs have variable interest rates, adjusting with baseline interest rate changes, but still typically lower than credit card or personal loan rates.

  • If you're apprehensive about potential future rate increases, a Fixed Rate HELOC or HELOAN might be preferable.

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