Home Equity Loans. Endless Possibilities.

Tap into your home’s equity to tackle that remodeling project, to consolidate debt, or to finance practically anything. And the interest paid may be tax deductible.*

Apply Now See Current Rates
Jake, an Affinity Plus member, in front of a home with solar panels
Jake, Minnesota Resident

What you get

Low Closing Costs

We keep our closing costs low without extra fees.† And you’ll know early on what you’ll pay.

Competitive Rates

Save money over the loan term with our competitive rates.

And make extra payments or pay off early without penalty fees.

Personal Service

Your dedicated Affinity Plus mortgage loan officer will guide you through the whole loan process.

Home Equity Resources

Your Home Equity Options

Home Equity Loan

Get a lump-sum loan with a predictable monthly payment, so you can manage your budget.

  • Low, fixed rates
  • Flexible repayment terms
  • Convenient one-time disbursement of funds
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Home Improvement Loan

Finance home projects, even if you don't have equity built up.

  • Low, fixed rates
  • Flexible repayment terms
  • Convenient one-time disbursement of funds
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Home Equity Line of Credit (HELOC)

Access funds as needed from a HELOC with a low, variable rate.1

  • Low minimum monthly payments2
  • Pay interest only on the amount currently advanced
  • Funds become available for use again as you pay down the balance
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Home Solar Loans

Get funding for solar panels and their installation.

  • Low, fixed interest rates
  • Loan amounts up to $100,000
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Getting Started is Easy

Hear back soon

Fill out the simple online application, and hear back from us within a few business hours.

Already applied?

Return to your application to finish it, check its status, upload documents, or connect with your lender.

We're here to help.

If you have questions or need help with anything, please contact us.

Cash-Out Refinance

Another option you might want to consider is doing a Cash-Out Refinance of your existing mortgage. Then you get cash at closing to pay off debt or tackle home projects.

See Refinance Options
Josh, an Affinity Plus member, on a pink background.
Josh, Affinity Plus Member

Disclosures

Home equity loans and home equity lines of credit are secured by a second-position mortgage lien on the property. No down payment is required. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Homeowner's property insurance is required, and flood insurance may be required. New or existing Affinity Plus membership is required.

* Consult a tax advisor to determine the tax benefits based on your individual situation.

Closing costs will apply ranging from $340 - $1,000. Ranges are based on a minimum loan amount of $10,000 and a maximum of $100,000.

1. The annual percentage rate (APR) for home equity lines of credit are based upon The Wall Street Journal Prime Rate ("Prime") plus a margin, and will vary with Prime. The maximum APR is 18%. Your APR will be based on the prevailing variable-rate index value, your credit qualifications, the amount of your credit line, Combined Loan-to-Value (CLTV), and/or property type. Minimum credit line is $10,000. Maximum credit line is $100,000. 10-year draw period followed by a single balloon payment of the entire outstanding balance.

2. Your monthly payment will be 1.25% of the loan balance as of the last advance or $50.00, whichever is greater.