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Can I get a home equity loan on my home?

Yes. SFCU offers home equity loans and home equity lines of credit (HELOCs) for eligible owner-occupied, stick-built homes.

The maximum loan amount is based on the Combined Loan-to-Value (CLTV) ratio for a single family owner occupied home:

  • Up to 100% CLTV: Maximum loan amount of $250,000 
  • Up to 80% CLTV: Maximum loan amount of $500,000
  • Up to 60% CLTV: Maximum loan amount of $750,000

Fixed-rate home equity loans are available for terms up to 180 months. HELOCs feature a 10-year draw period with a 30-year maturity.

SFCU may accept either a first or second lien position. 

Owner-occupied multi-unit properties are also eligible with a maximum CLTV of 90%.

All loan applications are subject to credit approval and SFCU’s current underwriting guidelines.

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We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.

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Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

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Let's Get Started!

Not a Member?

We’d love to welcome you to the SFCU family! Getting started is easy.  Just click the link below to begin opening your account.

Open an Account

Already a Member?

Head over to online or mobile to add a new product. See ‘Applications’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.

Add a Product

 

Check your application status

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