Fixed Term Home Equity Loan

Tap into the equity in your home!

Why borrow at higher rates, when you can leverage the equity in your home to borrow for less? In addition to low competitive interest rates, our Fixed Term Home Equity Loan offers the security of a predefined repayment schedule. Put aside worries about rising interest rates. Apply Now to lock in a low fixed rate and get your cash working for you!

  • Low fixed rate
  • Tax deductible interest (consult a tax advisor)
  • Terms up to 15 years
  • Multiple payment options
  • Available up to 90% LTV
    (with appraisal or 60% of SEV multiplied by 2)
  • Minimum Loan Amount $10,000
  • Maximum Loan Amount of $150,000
  • Maximum combined loan to value = 90% (includes any first mortgage balance)
  • 5, 10, and 15 year terms
  • Appraisal fees range from $325 -$470
  • Apply online or apply by calling 800.450.5057
  • You'll need a copy of the following:
    • Your most recent tax assessment notice
    • First Mortgage Statement
    • Most recent paystub showing year to date income
    • Last 2 years W-2 statements
    • Homeowner's insurance policy declaration page

*Actual rates may vary based on credit score and loan to value ratios. Appraisal is required if the loan to value exceeds 60%. Advia Credit Union is an equal housing opportunity. Rates subject to change daily. All loans are subject to approval. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.