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Home Equity Loan/HELOC

Dream bigger

Tap into your home's value to cover the big ticket items in your life.

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  • Unlimited possibilities

    Use a SkyOne Home Equity Loan to make your home gorgeous—and add more value. Plus, cover additional financial needs — such as emergencies or college expenses — at a lower rate than other loans.

    • Make your home beautiful
    • Pay for tuition
    • Consolidate debt
    • And whatever else you can dream of

    Home Equity Loans

    Making a big, one-time purchase? This lump sum loan is the perfect fit.

    • Locked in rates
    • Loans up to $200,000
    • Up to 20 years for repayment

    Home Equity Lines of Credit

    A SkyOne HELOC saves you time if you’re working on an ongoing project. Apply just once, but get continuous access to cash.

    • Revolving credit line of up to $200,000
    • 7-year draw period
    • Up to 22 years for repayment including the draw period
  • Rates

    Rates

    Home Equity Loan Rates

    Rates Effective as of: 09-17-2019

    RateRate TypeTerm
    6.24% Fixed60 months
    6.24%Fixed120 months
    6.49%Fixed180 months
    6.99%Fixed240 months

    Home Equity Line of Credit (HELOC) Rates

    Rates Effective as of: 09-17-2019

    APR*Rate TypeTerm
    6.24%Variable Up to 180 months
    Disclosures

    *APR=Annual Percentage Rate. 1) Advertised rates include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher. 2) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 3) Minimum Credit Limit: $10,000. 4) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 5) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the loan. 6) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% would be $161.04.

  • Frequently Asked Questions

Fast decisions

Fill out your Home Equity Loan/HELOC application online and hear back from us in no time.

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Questions? Talk to an expert. 800.421.7111

Disclosures

*APR=Annual Percentage Rate. Advertised rates for Home Equity Loan and Home Equity Line of Credit (HELOC) include a 0.25% Autopay (automatic payment) discount. Without Autopay, rates are .25% higher.

HELOC: 1) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum Credit Limit: $10,000. 3) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance. 4) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the loan. 5) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% with a 180-month term would be $161.04. 6) HELOC APR is variable. Home Equity Loan: 1) Maximum loan amount: $200,000 or 80% of appraised value less liens, whichever is less. 2) Minimum loan amount: $10,000. 3) Payment example: a $50,000 Home Equity Loan with a 120-month term with a rate of 6.49% APR has a monthly payment of $567.49. All loans are subject to approval. Third party fees may occur.

Equal Housing Lender