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Home Equity Loans

Different people doing home renovation projects utilizing home equity loans to fund them.

You can unlock your home's equity to make home improvements, consolidate debt or plan the ultimate vacation! Whatever your situation may be, a Home Equity Loan or Line of Credit, might be the answer for you.

What is a HELOC?

A Home Equity Line of Credit (HELOC) is a revolving line of credit secured against your home. It is an open-ended loan. Instead of loaning a set amount of funds all at once (like you would with a car loan), you simply borrow as you go, up to the credit limit.

  • Interest-only payments.
  • Low fees.
  • Convenient access to funds.
  • Up to 80% combined loan to value (restrictions may apply).
  • Draw period to access funds from your home equity line of credit.

What is a Home Equity Loan?

A home equity loan allows you to access the equity in your home as well. You receive the full loan proceeds at closing and make fixed monthly payments on the loan for the entire term of the loan.

  • Low fixed rate for the life of the loan.
  • Loan funds are disbursed in full at closing.
  • Borrow up to 80% of property value.
  • Discounted rate for those who also have a first mortgage with CapEd.

How would a Home Equity Loan or a HELOC benefit me?

There are many different reasons someone would choose to tap into the equity of their home for extra funds. Common examples are:

  • Home Improvements.
  • Debt Consolidation.
  • College or education expenses.
  • Investment opportunities.

Apply for a Home Equity Loan or HELOC

Get started today with the online application. Or visit your preferred Mortgage Loan Officer below to get started!

Online Application Find a Location

Mortgage Loan Officers

We have an experienced and reliable team to assist you every step of the way when refinancing your home. If you're ready to apply for refinancing your home, review the resources below and contact our Mortgage team to get started.

Skip MLO list
Jeff Acree

Jeff Acree

NMLS Number 6591
(208) 855-4605
Email Jeff
  Thunderbolt Branch
Apply with Jeff

Carole Meyer

Carole Meyer

NMLS Number 91917
(208) 898-7052
Email Carole
  South Nampa MCC
Apply with Carole

Joe Azevedo

Joe Azevedo

NMLS Number 96874
(208) 855-4688
Email Joe
  Eagle Branch
Apply with Joe

Isabel Bailey

Isabel Bailey

NMLS Number 507120
(208) 884-0150 ext. 7024
Email Isabel
  McMillan Branch
Apply with Isabel

Mike Troester

Mike Troester

NMLS Number 1381739
(208) 855-4680
Email Mike
  Linder MCC
Apply with Mike

Cal Gothberg

Cal Gothberg

NMLS Number 148078
(208) 898-7026
Email Cal
  South Meridian MCC
Apply with Cal

Steve Sengelmann

Steve Sengelmann

NMLS Number 91656
(208) 855-4603
Email Steve
  Parkcenter Branch
Apply with Steve

Ana Moroshan

Ana Moroshan

NMLS Number 452269
(208) 898-7030
Email Ana
  South Nampa MCC
Apply with Ana

Resources

Here are some helpful resources.

HELOC Checklist

Make sure you have everything you need for your HELOC with this PDF.

Disclosures

Making the minimum payment on a HELOC may result in a balloon payment. Offer is subject to change at any time. Property insurance is required.