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Flexible Funds.
Low Intro Rate.
Easy Start.

CapEd's six month 3.99% APR1 intro HELOC rate gives you the power to start now. Quick access, low cost, and all the flexibility you need to start home improvements, consolidate debt, or plan the ultimate vacation. When the promotional introductory fixed rate period is over, APR will adjust to between 4.00% & 18.00%.

Apply Now!
A young couple sitting in an empty white room with cans of paint, a paint roller, and ladder around them. One is making a motion to frame a section of the wall with their hands and the other is smiling and looking toward where they're framing.

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 payments2.
  • 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

Mike Troester

Mike Troester

NMLS Number 1381739
(208) 855-4680
(208) 890-6457
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

1 APR will adjust when the 6 month promotional introductory fixed rate period is over, between 4.00% & 18.00% APR. Appraisal fee must be paid if appraisal is required. No other fees will be charged. For HELOCs over $250,000 closing costs apply. The closing costs range from $1,000 to $1,500 and include title fees, appraisal, recording fees, and flood determination. Property insurance is required for HELOC and Home Equity Loans.

2 Making the minimum payment on a HELOC may result in a balloon payment.

All loans are subject to approval. Offer is subject to change at any time and may vary based on creditworthiness, qualifications, loan amounts, and collateral conditions.