Homeowner Debt Consolidation loan.

Leverage your home ownership to consolidate high-interest debt. And do it with no appraisal required, and without tying up your equity.

Joe, an Affinity Plus member, in front of a home with solar panels.
Joe, Affinity Plus Member

What you get

Great Rates

The length of your home ownership can help lower your rate.1

And you might qualify for a rate discount, if your mortgage is with Affinity Plus.2

Equity Stays Intact

With a Homeowner Debt Consolidation Loan, you don't need to tap into your equity or put up any collateral.

Up to $20,000

Get funds fast with our quick application and approval process.

MyPlus Rewards™

Earn 8 MyPlus Rewards points a month per $1,000 in average daily loan balances.

And use points you’ve already accrued to reduce your rate on a new loan.

Getting Started is Easy

Not a member yet?

Membership is required for loans and accounts with us. But you can apply for most types and become a member at the same time.

Already a member?

Apply for loans and open additional accounts in the mobile banking app, from the More screen. Or log in to online banking, then click “Apply” in the upper-right.

We're here to help.

From video calls and chat to secure messaging, there are all kinds of ways to contact us.

Personal Loans

If the Homeowner Debt Consolidation Loan isn't right for you, there are other lump-sum Personal Loans and revolving Personal Lines of Credit to choose from.

Megan & Andrew, Affinity Plus members, on an orange background
Megan & Andrew, Affinity Plus Members


The Homeowner Debt Consolidation Loan is a personal unsecured loan. New or existing Affinity Plus membership is required. All loans are subject to approval.

1. Rates for this loan are based upon loan amount and length of homeownership. See rates table for more information.

2. Mortgage verification is required to qualify for a rate reduction.