Equity Loans and Lines of Credit

Home equity solutions to put your home’s value to work—so you can access cash for bigger goals without refinancing your first mortgage.

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Get mobility back - even in a lock-in market

Your Equity, Your Options

If you’re sitting on real equity, your financial options shouldn’t be limited to “refinance or do nothing” – especially in a lock-in market.

Home equity loans and HELOCs are designed for that gap: a way to access the value you’ve already built without disturbing your first mortgage. Some lenders ave a limited interest in these types of loans because:

Lock-in pressure: You don’t want to touch a great first-mortgage rate just to get cash out

Timing + flexibility: You may need funds in phases (renovation draws, tuition, business expenses), not one lump sum

Rate + payment certainty: Some people want a fixed payment; others want a revolving line and only pay interest on what they use

Equity complexity: Second liens, condos, investment properties, or higher CLTV requests can shrink options fast

Our equity suite is built to solve these exact problems—whether you want a fixed home equity loan, a HELOC, or a strategy that keeps your first mortgage untouched while you put your equity to work.

20

+
Years of Experience
Guiding clients nationwide with fast, reliable lending solutions.

99.9

%
Approval Support
Tailored for construction, physician, and self-employed borrowers.
Flexible mortgage options icon

Flexible Repayment Options

Loans designed to fit your timeline and financial goals.

First and Second Lien Options

Home Equity Line of Credit

Home renovation project - Equity loans

Best For: Home renovation, education expenses, or consolidate debt.

How It Works: A new HELOC from Liberty FCU offers a revolving line of credit so you can enjoy a ready cash reserve that is available when you need it.

  • $15,000 to $750,000 credit line amount
  • Up to 90% Total Loan To Value (TLTV)
  • 10 year draw period with interest
    only payments
  • After that 10 year period, it adjusts to a 20 year repayment period
  • Primary residence only
  • Certain restriction apply

Advantages: You can borrow any amount up to your established credit limit as needed, and interest paid on a home equity loan may be tax deductible. Apply today!

Book a Consultation

Bridge Loan

Kitchen remodel financed by HELOC
Best For: Those looking to remove a home sale contingency.

How It Works:

  • A Bridge Loan, also known as a Swing Loan, allows you to access the equity in your current home to use as a down payment on your new home purchase.
  • This loan is perfect if you want to avoid the hassle of moving twice.
  • Buy first, sell second.

Advantages:

  • Financing up to 90% of the appraised value.
  • Low interest rates.
  • Interest only monthly payments.
  • 9 month term.
  • Low closing costs.
  • New and improved qualification requirements.
Start Your Application

 Fixed Rate Second

Home equity line of credit benefits
Best For: Home improvement & debt consolidation

How It Works:

  • Fixed rate second mortgage that funds the entire loan request at closing.
  • Protects your interest rate from rate fluctuations.
  • Fixed principal and interest payments.

Advantages:

  • 5 to 15 year options
  • $10,000 to $750,000
  • 90% loan to value
  • Primary residence only
Start Your Application

 Renovation Loan

renovate for a new kitchen
Best For: The perfect home to purchase that needs updating or an existing residence that needs more space

How It Works:

  • Purchase or refinance a home with one loan used to complete the repairs or improvements.
  • Fixed and adjustable rate options.
  • Renovation costs cannot exceed 75% of the home value

Advantages:

  • Single loan closing for the purchase and improvement costs.
  • Flexible 14 month improvement timeline.
  • 95% Financing up to $832,750.
Start Your Application

Understanding Home Equity Options

Bridge loan financing options

Home Equity Lines

A Home Equity Line of Credit (HELOC) is a revolving credit line secured by your home. You can draw funds as needed, repay, and borrow again—so you only pay interest on what you actually use.

Access home equity for renovations

Home Equity Loans

A Home Equity Loan is a one-time lump sum secured by your home, usually with a fixed rate and fixed monthly payment. It’s built for people who want certainty and a clear payoff schedule.

Home search and offer process

Renovation Loans

A Renovation Loan lets you finance the home + the improvements in one loan. Buy (or refinance) and renovate without trying to fund everything out-of-pocket upfront. Qualification is based on the after-improved value of the home.

Borrow Smart, Buy Right, and Build Wealth through Real Estate

Personal Service:

Portfolio Lending:

Competitive Rates:

Greater Flexibility:

Low Fees:

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