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Home Equity Loans

Write a Review Pay low to no closing costs, no annual fee, and no pre-payment penalty.1
Compare Home Equity Services

Home Equity Line of Credit or Fixed Loan?

We’ll guide you through your options and help give you quick access to financing.

Home Equity Line of Credit

Interest-only payments for 10 years; amortized repayment thereafter
Low variable rate2
$0 annual fee
$0 pre-payment penalty
Low to no closing costs1
Accessible for a
10-year draw period
Manage in Digital Banking
Interest may be tax deductible3
Learn More Apply Now

Home Equity Loan

5, 10, or 15-year
repayment terms
Low fixed rate2
$0 annual fee

$0 pre-payment penalty
Single
one-time draw
Learn More Apply Now

Home Equity Line of Credit rates.

Rates effective as of October 1, 2020.

Combined loan-to-value 70% & below.
as low as 2.75% APR2
Combined loan-to-value 71% - 80%.
as low as 3.25% APR2
Combined loan-to-value 81% - 90%.
as low as 4.25% APR2
Apply Today

We'll help you make this process quick and easy.

Collect the below documents and apply online.
Check List of items needed

Required documents for all applications:

  • Two most recent paystubs for each borrower and must include YTD income totals
  • Two most recent W2s for each borrower (tax returns may not be used in place of W2s)
  • Most recent award letter, most recent 1099, or most recent two months’ direct deposit statements
  • Most recent 1099, or most recent two months’ direct deposit statements
  • Most recent account statement showing the distribution amount along with the account balance
  • Most recent two years’ complete federal tax returns

Optional documents:

  • Award letter or two months' direct deposit statements
  • Divorce decree/support order
Printable Checklist

1 No closing costs unless an appraisal is required for Home Equity Lines of Credit (HELOC). 2 Annual Percentage Rate may vary based on credit score and combined loan-to-value ratios. Advia's Interest-Only HELOC is a variable rate product and APR may change quarterly based on the value of an index of Prime Rate as stated in the Wall Street Journal as of the last business day of each quarter. A quarter is defined as a calendar quarter beginning January 1, April 1, July 1, and October 1. Your APR is equal to: as low as Prime index - 0.50%. An increase in the index will result in an increase to your APR. (includes a lifetime interest rate cap of 8% over initial loan rate). Variable rate tied to Prime Rate for both the draw and repayment periods; based on creditworthiness of borrower(s) at time of application and loan-to-value of secured real estate. 3 Consult a tax advisor regarding tax deductibility which is subject to change at any time. Some products and services may vary based on geographical region. Offer and rates effective October 1, 2020 and subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval. Equal Housing Opportunity. NMLS #401863.