Home Loans

Up to 95% combined loan-to-value (CLTV)

Home Equity Loan/Second Mortgage

shield Low interest rates (interest may be tax deductible)
shield Fixed rate loans from 5 to 20 years
shield Up to 95% CLTV primary residence - purchase or refinance, local decision-making

Upon approval, with this type of loan you will receive a lump sum of money. The loan has a set monthly principal and interest payment to be repaid over a specific period of time. A home equity loan gives you a secure locked-in rate and a consistent monthly payment.

Home Equity Line of Credit

shield Only pay interest on what you use, re-use as needed without re-applying.
shield 5-year draw, 20-year payback
shield Up to 90% CLTV

A line of credit allows you to borrow money as needed up to your credit limit. You can make withdrawals on the funds available during your approved draw period. There is no need to continue to reapply to access funds.