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 Repayment Options

Loans designed to fit your timeline and financial goals.

First and Second Lien Options

Home Equity Line of Credit

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

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

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

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.

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.

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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