Determining Your Home's Equity
Home equity is the difference between what your home is worth and what you owe your lender - what you actually own of your home. If you’ve been paying your mortgage for a few years now, you might be wondering how much of your home you actually own, and how you can access the cash you’ve accumulated. Unlock the equity in your home to pay off debt, renovate your home, or make other financially smart decisions.
*APR=Annual Percentage Rate. Rates are subject to change without notice.
HOME EQUITY LINE OF CREDIT
1Get 6.99% APR for twelve (12) months with a minimum line amount of $20,000 and an LTV max of 80%. Maximum loan amount of $500,000. Must maintain an average outstanding balance of $10,000 per month. The promotional rate is for new loans only and is subject to creditworthiness. Additional conditions may apply. The rate is subject to change at any time. After the 6-month promotional period ends, the rate will revert to the prevailing APR. APR is based on The Wall Street Journal Prime Rate ("Prime") published on the 25th day of the previous month. The interest rate will not go below Prime, currently at 8.50% APR, and not above 18.00% APR. Eligible properties include owner-occupied 1-to 4-family properties, condominiums, and 2nd/vacation homes. Ineligible properties include but are not limited to investment property (defined as non-owner-occupied property), a co-op, a mobile home, or manufactured housing. Home equity lines of credit are available in first or second-lien positions. Not available for homes currently for sale. Property insurance is required. Flood insurance may be required.
2A $350 processing fee is waived at the time the loan closes. If the loan is paid within two (2) years, this processing fee will be added to the amount required to satisfy the loan.
HOME EQUITY LOANS
1APRs reflect no closing costs for home equity loans up to $250,000.00. Higher loan amounts are available but will include appraisal fees based on the value of the home and a higher APR will apply. Rates may change based on creditworthiness, property type, and other factors. Contact us for more information. Rates are subject to change at any time and without notice.
2A $350 processing fee is waived at the time the loan closes. If the loan is paid within two (2) years, this processing fee will be added to the amount required to satisfy the loan.

First Responders Loan Discount
Qualifying members for this program include:
- Firefighters (paid and volunteer)
- Police Officers
- EMTs (paid and volunteer)
- Paramedics

Home Buying Guide
The home buying process can be overwhelming so it’s best to be prepared. That's why we put together a Home Buying Guide to help you from start to finish. In this guide, you'll find information for each step of the home buying process.
- Info on the types of mortgages and what you need to know
- Checklists for documents, home buying, and moving
- Worksheets to determine your dream home and estimated costs
- Tips on making an offer and information on the appraisal and inspection