Many homeowners mistakenly think there is no value in refinancing unless they will decrease their interest by 2% or more. This is a myth that for the most part is not true.

Depending on your loan balance, the number of payments you have remaining and the time you plan on keeping your home decreases as small as .5% may allow significant savings over time.

Our refinance consultants can provide you with an accurate analysis that will take into consideration all the costs involved and a time factor to see if refinancing will be a benefit to you.

Or you can try our refinance calculator and do a self evaluation

Home Equity Loans & HELOCs

Unlock the Power of Your Home’s Equity

Your home is more than just a place to live; it’s a valuable financial asset. Whether you’re planning a major renovation, consolidating debt, or simply want to access the value you’ve built up in your home, we have the right solution for you.

What We Offer

Home Equity Loans
A Home Equity Loan allows you to borrow a lump sum against the equity in your home, with fixed interest rates and predictable monthly payments.

  • Fixed Interest Rate: Lock in a fixed rate for the life of the loan, ensuring stable and predictable payments.
  • Lump Sum Payment: Receive the full loan amount upfront for large expenses like home improvements, education, or debt consolidation.
  • Fixed Repayment Schedule: Enjoy the certainty of a fixed repayment schedule, making it easy to budget.
  • Tax Deductible Interest: Interest on home equity loans may be tax deductible (consult your tax advisor).

Home Equity Line of Credit (HELOC)
A HELOC offers flexibility, allowing you to borrow against your home’s equity as needed, with a variable interest rate and revolving credit line.

  • Revolving Credit Line: Borrow as much or as little as you need, up to your credit limit, and only pay interest on the amount you use.
  • Variable Interest Rate: Benefit from potentially lower initial rates, with the understanding that rates may fluctuate over time.
  • Draw Period: Access funds during the initial draw period, typically 5-10 years, followed by a repayment period.
  • Interest-Only Payments: Option to make interest-only payments during the draw period, lowering your initial monthly obligations.
  • Tax Deductible Interest: Interest on HELOCs may also be tax deductible (consult your tax advisor).

Which Option is Right for You?

  • Choose a Home Equity Loan if you:
    • Need a large sum upfront.
    • Prefer fixed monthly payments.
    • Want to lock in a fixed interest rate.
  • Choose a HELOC if you:
    • Need ongoing access to funds.
    • Are comfortable with variable interest rates.
    • Prefer flexibility in borrowing and repayment.

Why Choose Us?

  • Competitive Rates: We offer some of the most competitive rates in the market, tailored to your financial needs.
  • Personalized Service: Our experienced loan officers will work with you to find the best solution for your situation.
  • Fast Approval Process: Get the funds you need quickly with our streamlined approval process.

Get Started Today!

Ready to tap into your home’s equity? Contact us today to learn more about how a Home Equity Loan or HELOC can work for you.