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Home Equity Loan Options

Get the funds you need to pay for whatever life might throw your way

With a home equity loan, you can dip into your existing home equity to secure fast turn around, competitive rate financing to pay for everything from vehicle purchases and educational expenses to debt consolidation, home projects, and more.

No Closing Cost Option

Closing costs can be pricey, skip them!

Most home equity loans come with closing costs. At SFCU, you can skip additional costs with a no closing cost option available. It has never been easier to save money on your home equity loan! Terms & conditions apply.

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Up to 90% LTV

Secure more funds for the expenses you need to cover

No matter what you need to pay for, SFCU is here for you! With a home equity loan, you may be able to secure up to 90% combined loan to value on your primary residence. You could qualify for a larger loan than you would at many other financial institutions.

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Fixed Home Equity
Home Equity Line of Credit
Home Improvement

How it works

It's easy to get a home equity loan with us.

  • 1

    Complete an application

    It takes only minutes to fill out the online application.

  • 2

    Get an appraisal

    We'll help you set up a home appraisal, if necessary.

  • 3

    Use the funds

    Once approved, use the funds to pay for expenses.

Apply for a home equity loan

    • ARM products are based on a 30 year amortization
    • 1st Mortgage, Owner occupied
    •  80% of Purchase Price or Appraised Value whichever is less
    • Greater than 80% LTV requires PMI Insurance
    • Vacation Homes/2nd homes are .25% higher and require 20% down payment
    • Manufactured Loans minimum down payment 20%, New Home only for ARM’s; new and used available for fixed rates
    • Escrow may be required
    • One to four family primary residence; no commercial property
    • Adjustable Rate Mortgage rate and payment changes:
      The rate indicated for adjustable rate mortgages is the initial rate and is subject to increase.
      For example; the 5/1 Year ARM will have a constant interest rate for the first five years. Adjustable rates may change annually based on an “Index”.
      Before each Change Date, we will calculate the new interest rate by adding the “Margin” to the “Current Index”. The result will then be rounded to the nearest one-eighth of one percentage point (0.125%) which will be the new rate.
      The rate may not adjust more than the “Max Rate change per Period” indicated above on each “Change Date”. The total loan adjustment will not adjust more than the Lifetime Cap indicated above over the “Life time Change” of the loan.

    NMLS# 609016


Have a question? Get in touch with us

It's easy to get financing from your home's equity

Keep rates low by securing your loan funds against the equity in your house. With flexible terms and high combined loan to value percentages, it has never been easier (or more budget-friendly) to get the funding you need.

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