We’re currently experiencing a high volume of applications.

Our commitment to our members is a top priority. If you’ve applied for a home loan, one of our experienced Mortgage Loan Officers will reach out to you shortly. Also, a successfully submitted application is stamped with the date and time, so if your application isn’t processed for a couple business days, we’ll still honor the rate from the day you applied. Thank you for your patience.

Home Equity Options

A home equity loan allows you to tap into your home’s equity if you need to make a large purchase or want to have access to a line of credit for purchases or unexpected expenses. Choose between a fixed Home Equity loan with one-time disbursement or a revolving Home Equity Line of Credit.

The Affinity Plus difference:

  • Competitive closings costs. Closing costs limited to actual incurred expenses (appraisal, title, recording, etc), with no additional origination fees.*
  • No pre-payment penalties. You can make extra payments, or pay off the loan early without fees.
  • Interest paid may be tax deductible. Consult your tax advisor to determine the tax benefits based on your individual situation.

Home Equity Loan

Our Home Equity Loan gives you predictable monthly payments so you can manage your budget.

  • Low, fixed rates
  • Flexible terms, up to 15 years
  • Convenient lump sum disbursement

 

Home Equity Line of Credit

Our Home Equity Line of Credit (HELOC) can be a great solution if you aren’t sure how much money you need to borrow for upcoming projects, or if you want to consolidate debt. And as you draw the funds you need, you’ll only pay interest on the amount you’ve advanced, rather than the full amount of the loan. Our low, minimum payments can help you budget for expenses, and as you pay down the loan balance the funds will become available for use again.

  • Low, variable rates
  • Terms up to 10 years†
  • Draw funds as needed

 

Cash-Out Refinance

Want to use the equity in your home without taking out a second mortgage? Consider a Cash-Out Refinance.

Apply Today

When you're ready to apply, visit our Mortgage Loan Center. Our online application will walk you through the process, and you can step away and save as you go.

Apply

Returning Applicants

Our Borrower Portal allows you to return to an application you've already started, upload documents, and check the status of a submitted application.

Borrower Portal Log In

 

Disclosures

* 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.

† The 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.

Flood insurance may be required. Credit line together with any other mortgage(s) cannot exceed 90% of the property value on 1-4 family, owner-occupied properties. Non-owner-occupied properties subject to different terms. All loans are subject to credit approval. New or existing Affinity Plus membership is required.

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