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Home Equity
Forge Your Own Path
Unlock Your Home’s Equity
-
Pay for Unexpected Expenses -
Renovate Your Home -
Plan a Big Event or Vacation
Home Equity Options
Home Equity Loan (HELOAN)
One-time, Lump Sum Withdrawal
- $10,000 Minimum
- Competitive Rates
- Fixed Repayment Schedule
- Up To 100% TLTV Financing
Home Equity Line of Credit (HELOC)
Flexible Ongoing Access To Funds
- Interest-Only PaymentsG.2
- Variable Interest Rate
- No Minimum Draw
- Up to 95% Financing
Stop dreaming!
HELOC it!
Make the Most of Your Home’s Value
If you’ve built up equity in your home, you may be able to unlock part of that value to meet your financial needs.
Low-Cost
Using your equity can be an inexpensive way to borrow money.
Flexible
It's your equity so use it however you need it - when you need it.
Easy As Pie
HELOANs and HELOCs have a relatively quick and simple application process.
6%
As Low As 6% Annual Percentage Rate on Five Year Fixed Home Equity Loan.
It’s your equity. Use it however you want.
What is a HELOC?
A home equity line of credit (HELOC) is a low-cost way to pay for major expenses. This loan uses your home as collateral so you’re able to borrow money at a rate that’s lower than almost any other type of loan. Since it’s a line of credit, you have the flexibility to take as much or as little as you need throughout the life of the loan. Plus, you’ll only pay interest on the money you use.
About HELOC
What is a Home Equity Loan?
A home equity loan, also known as a second mortgage, is a low-cost way to borrow money by leveraging the equity in your home. The loan is dispersed in one lump sum and you have a fixed repayment schedule.
learn moreHome equity lines of credit (HELOCs) and home equity loans (HELOANs) are two ways to achieve similar goals. Understanding how each one works can help you decide which one works best for you.
So, what do you want to do next?
G.2 During the draw period. The maximum total loan to value (“TLTV”) of the home is 100% for Home Equity Loan and 95% for HELOC. TLTV will be determined by the value of your home less the balance of the first mortgage. Rates and maximum TLTV are based on the borrower’s creditworthiness. The minimum loan amount is $10,000. Must be owner-occupied residential property located in the State of Oklahoma. Program not available on a rental property manufactured or modular homes. Property insurance is required. If the property is in a Special Flood Hazard Area, flood insurance is required if it’s available. We will take a security interest in your home. You could lose your home if you do not meet the obligations in your agreement with us. Consult your tax advisor for tax deductibility. All loan programs, rates, terms, and conditions are subject to credit approval and underwriting requirements and may change at any time without notice. If you have any questions or require current rate information, please call WeStreet Federal Credit Union at 800.256.5626 or 918.610.0200.