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home_equity_logoApply For Home Equity Loan

Apply for a Home Equity Loan or Line of Credit and clear off that expenses.

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Home equity loans and lines of credit (HELOCs) enable you to use the value of your home as collateral to borrow funds for major expenses like: home renovations, medical bills, vehicle repairs or purchases, debt consolidation, etc. Home equity loans provide a smarter way to take advantage of your home. We have several loan products to fit your individual needs, and we ensure you make your best choice.

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Home Equity Basics

 If you're thinking about borrowing money using your home as collateral, you should consider your options. Before you decide, you should understand the basics.

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Home Equity Benefits

 Before you decide to use your house as a collateral, you should also consider the pros and cons of a home equity loan or line of credit.

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Xpress Home Equity Rates

After much consideration and consultation you decided to obtain a home equity loan or line of credit, look no further than our low rates on offer.



Loan Overview:    Borrow up to 89.9% of your home's equity and receive the entire loan proceeds at signing

Payment Amount:     Fixed

Interest Rate:    Fixed

Monthly Payment:    Principal + interest

Available Terms:    60, 120, 180, or 240 months

Helpful If:    You need a specific amount for an immediate need.
  • Buying a car
  • Home renovation and improvements
  • Debt consolidation
  • Medical Bills
  • Major Expenses

Loan Overview:     Borrow funds as you need them up to your line of credit limit

Payment Amount:     Variable

Interest Rate:    Variable - Semi annual adjustment periods

Monthly Payment:    Principal & Interest based on available credit limit

Available Terms:    15 year revolving draw period and 15 year repayment after draw period expires

Helpful If:    Funds needed over time.
  • Ongoing medical expenses
  • Home improvements and renovations
  • Unexpected expenses that arise

Loan Overview:    Borrow funds as you need them up to your credit limit

Payment Amount:    Variable

Interest Rate:    Variable - Semi annual adjustment periods

Monthly Payment:    Interest-Only based on your loan balance

Available Terms:    15 year revolving draw period and 15 year repayment after draw period expires

Helpful If:    You anticipate needing funds over time.
  • Ongoing medical expenses
  • Home improvements and renovations
  • Larger purchases