Home Equity Loans

What could you do with a little extra cash?

Make home improvements, finance a child's education, pay off credit card debt, take a vacation, and much more - simply by putting your home to work for you!

  • Home Equity Lines of Credit

    Revolving credit line for maximum flexibility
  • Home Equity Loans (Second Mortgages)

    Lock in a low fixed rate with this one-time purpose loan


Home Equity Line of Credit
Home Equity Loan (Second Mortgage)
Features Revolving line of credit available to use whenever you need One-time lump sum, fixed rate
Good For.. College Education, Remodel, Vacation or ongoing projects where additional funds may be needed throughout the project One-time expenses, for a variet of projects with a fixed budget, debt consolidation
Access Withdraw funds when you need it, just transfer funds to your checking account One lump sum disbursed at Loan opening
Need Equity Yes Yes
Loan To Value Loans up to 90% of the available equity in your home Loans up to 90% of the available equity in your home
Rates Variable Rate Fixed
Payments Interest only or principal & interest Principal & interest
Product Option Available on owner occupied & non-owner occupied properties (restrictions apply) Available on owner occupied & non-owner occupied properties (restrictions apply)
Tax Deductibility Yes; Consult with your tax advisor Yes; Consult with your tax advisor
Loan Application Fees $0 $0
Annual Fees $0 N/A
Prepayment Penalties $0 $0


Special Promotion

For a limited time get your Closing Costs on your new Home Equity Line Of Credit taken care of On The House!

In addition to our great low rate of 3.75% APR* we're offering our HELOCs with:
- NO Closing Costs*
- No annual or usage fees
- No prepayment or early closure fees

Apply Now

* APR = Annual Percentage Rate. Rate offered is as low as Prime minus 1.00%. Prime rate is 3.25% as published in Wall Street Journal as of effective date indicated below. The prime rate is subject to change. HELOC rate has a floor of 3.75%. APR advertised is available with combined loan to value of no more thank 90%, loans of at least $15,000, & is subject to credt qualification. No closing costs are charged if at least $15,000 is on balance for the first 365 days of the loan otherwise you will be assessed closing costs. Other restrictions may apply, call for details. Real estate loans are available for Colorado residences only. No restrictions on purpose: concurrent close purchase, refinance, and stand-alone. Condos, second homes, and multi-units: 80% CLTV max. Effective date is 6/10/2013

Special Eco-Friendly Rate Reduction Policy

Now you can save the earth and save some money at the same time. When you use your Home Equity Loan for approved eco-friendly improvements such as solar panels, you qualify to receive a small rate reduction on your Home Equity Loan. Call 303.442.8850 for details.