Moving you toward your dream home.

 

Thinking about home renovations, remodeling, repairs, or holiday spending? Apply for a Home Equity Line of Credit (HELOC) to get cash when you need it.

  • Promotional rates as low as 3.00% APR for 12 months,
  • Variable-rate thereafter up to 18.00% APR* 

Our Home Equity Line of Credit offers:

  • Interest-only payment option for first 10 years
  • No annual fees
  • No application fees
  • No closing costs*
  • 10-year draw period with 20-year total loan term
  • Loan amounts up to 80% of your home’s value up to $500,000
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Apply Online Now

It's easy to apply for your Home Equity Line of Credit online.

Or contact us to apply at 800.873.5100, ext. 7722 or email us at mortgage@ithinkfi.org

*APR = Annual Percentage Rate. Actual loan rate will be based upon the borrower(s) creditworthiness. Minimum credit score of 660 required. Rates subject to change without notice. The APR is the cost of the loan in percentage terms taking into account various loan charges of which interest is only one such charge. The APR on all Second Mortgage products is equal to the stated rate based on the following: The Credit Union will pay your closing costs on loans up to $100,000. For loans $100,001 or more, the borrower pays closing costs and APR will vary from stated Rate. If the Second Mortgage or Home Equity Line of Credit is discontinued or paid off closing costs, within 3 years of opening and Credit Union paid closing costs, fees paid by Credit Union will be reimbursed the lesser of actual closing costs or a maximum of $1,200. Appraisal Fee is required when tax assessment or automated value analysis does not meet desired equity or loan amount is greater than $250,000. Hazard, flood and other applicable insurances may be required. All iTHINK Financial real estate loans are subject to income verification and credit approval. For more information contact a Mortgage Advisor for full details on the rates, terms, fees and conditions that may apply. Certain states may not be eligible. The floor interest rate on the HELOC is 4.00% APR after the 12 month promotional rate of 3.00% APR with a maximum cap of 18.00% APR.