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Home Equity Loan

家不仅仅是你头顶上的一个屋顶——用它来巩固你的信用卡吧, finance home-improvement projects, or pay for other major expenses.

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Or call 1-800-561-9433

Home Equity Loan Interest Rate  APR  Points  Monthly Payment
10 Year Fixed 8.590% 8.777% 0.000 $622.00
15 Year Fixed 8.840% 8.977% 0.000 $502.00

所显示的付款不包括税金和保险费. Rates are based on an evaluation of credit history, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. 并不是所有的申请人都有资格获得显示的最低费率. Annual Percentage Rates (APR), effective May 1, 2024, 例如每月还款额是用50美元的贷款金额来计算的,000, 单户住宅的信用评分为730分或更高,贷款价值比合计为80%,预计成交成本为622美元.00 for the 10-year and $502.00 for the 15-year. 贷款发起费375美元和产权查询费将适用. 额外的州或地方抵押贷款费用或税收可能适用. 关于利息的扣除,请咨询您的税务顾问. 计划、费率、条款和条件如有变更,恕不另行通知.

Home Equity Loan

Your home could be your ticket to needed funds.


  • 在贷款期限内锁定固定利率,每月固定付款
  • 你可以借的金额是基于你在你的房子的权益, up to 100% of the value of the home
  • 一次性一次性支付你需要的钱
  • 不要担心利率上升的可能性
  • 10-year and 15-year loan options

Calculate How Much You Can Borrow


  • You want money upfront in a lump-sum single payout
  • 你想要可预测的月供保持不变
  • You want to use it for major expenses, such as home improvements, new car, tuition, big vacation, second home, large-ticket items, or other one-time needs
  • 你想要合并其他贷款或信用卡的债务

Compare Home Equity Options

So, what exactly is a Home Equity Loan?

A mom and her son playing soccer in the front yard


What is “Equity”?

权益是你房屋的现值减去你欠其他抵押贷款的金额. 你可以借的金额是基于你在你的房子的权益. 

How a Home Equity Loan Works

Sometimes called a second mortgage, 房屋净值贷款是你以房屋净值为抵押借入的一笔钱. 正如你的第一笔抵押贷款是由房产担保的,房屋净值贷款也是如此. 您可能有资格获得高达100%的房屋评估价值, minus the balance of your first mortgage.

你在固定期限内按月等额偿还贷款. 贷款期间的利率是固定的,这样你就可以做最好的预算. 

喜欢在持续的基础上获得可用资金的灵活性? Consider a Home Equity Line of Credit.

Get Started

What can I use the loan for?

A couple planning the color to paint their stairway


  • Planned home-improvement projects
  • 大学(偿还学生贷款或直接支付学费)
  • A second home
  • Debt consolidation

Get Started


There are benefits and trade-offs to all loans, especially when it comes to paying off major expenses. 这两种房屋净值选择都允许您根据房屋的评估价值借款, providing you with cash when you need it. Here are some of the differences:

Home Equity Loan

房屋净值贷款更像你原来的房屋抵押贷款. 你借一笔特定的钱,然后在固定的还款期限内定期还款. 您申请所需的金额,并以一次性一次性支付的方式提前收到这笔钱. 在贷款期间,利率是固定的,所以你的还款额永远不会改变. 

Home Equity Line of Credit

Unlike a conventional loan, 房屋净值信用额度是你提前建立并在需要时使用的东西. 在这方面,它类似于信用卡,除了HELOC,你的房子被用作抵押品. 您可以根据需要从HELOC中获取或多或少的信息, whenever you need it, up to the credit limit established at closing. HELOC为您提供了以房屋净值为抵押借款、偿还和重复的灵活性. 利率是可变的,通常低于房屋净值贷款.

使用下面的图表来确定哪个更符合您的需求. As always, 您在Elements的支持团队随时准备帮助您找到最适合您的产品,请致电我们 1-317-542-5055.

  Home Equity Loan Home Equity Line of Credit
What It Is

Borrow funds using the equity in your home

Loan for a set amount

Borrow funds using the equity in your home


Key Benefits

Fixed monthly payments

Lowest interest rate


10-year fixed: 8.777%

15-year fixed: 8.977%

Intro APR for 6 months: 5.99%

Variable APR after 6-month intro period: As low as 8.50%

A Good Option for a Major or Unexpected Purchase If You

Own your home

Want money upfront in a lump sum single payout

Want a locked-in fixed interest rate

Want predictable monthly payments that stay the same

Own your home


Want a lower payment

Can Use It For

Best for purchases such as:

- Planned home improvement projects
- College
- A second home
- Debt consolidation

Anything! Purchases such as:

- Unexpected emergencies
- Home improvements
- College
- That big vacation
- A new car
- A second home
- Debt Consolidation

No Prepayment Penalties
No Annual Fee
Available Amounts

Whatever your available equity is in your home

Whatever your available equity is in your home

What are the fees?

房屋净值贷款没有预付罚金或年费. Closing fees typically run between $538 to $641.

How do I access the funds?

A couple and their daughter laughing on the couch

您将在交易结束时一次性获得这笔资金. 资金可以通过支票或直接存入您选择的账户.

Does Elements Financial offer debt consolidation loans?

我们确实提供合并贷款来合并账单和偿还其他债务. 房屋净值贷款(见本页信息)可用于此目的. Other options available to most members include Personal Loans, Home Equity Line of Credit, or even a first mortgage refinance with a debt consolidation option.

Why should I go to Elements for my home equity loan?

A woman withdrawing money from an ATM

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, 我们以降低费用的形式将利润返还给会员, higher savings rates and lower loan rates.

Trusted Advice. Fresh Approach.

我们以成为值得信赖的金融教育机构而自豪. 我们会到您的工作场所回答您的问题,并为您提供有关贷款的个性化指导.

Respected Locally. Accessed Globally.

自1930年以来,我们的总部设在印第安纳波利斯,在全国信用合作社中排名前3%1. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

High Tech. Human Touch.

Our technology makes banking with Elements easy. 从快速的数字应用程序到在线和移动银行,无论您走到哪里,我们都会在您身边. 我们在这里为您提供全天候会员服务,并在工作日进行实时聊天.

Get Started

How do I apply?

Screenshot of Elements online application

3 Easy Steps to Apply

  1. Apply online - You can apply online in as little as 10 minutes! Submit your application anytime or call 1-800-561-9433 to get started. Have ready your government-issued ID (driver’s license, state ID, or passport) and estimates of your household income, assets, home value and price you paid for your home.
  2. Take our call - 我们将在您提交申请后的一个工作日内与您联系,查看我们需要哪些文件并回答您的问题.
  3. Schedule your closing - 我们将在10个工作日内与您联系,并在您方便的地点安排关闭,如果批准. That's it — your loan can be put to work!

Apply Now

How Much Can I Borrow From My Home Equity?

Home Equity Calculator


in a home equity loan or line of credit
  1. 1 Based on asset size as of 12/31/2022.