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HOME EQUITY LOANS

Your home is your haven. But did you also know it’s your best financial resource?

Sometimes we all need a little help with some extra cash flow. When it comes to needing to make home repairs, consolidate debt, or take care of other expenses, the equity in your home can go to work for you!

Fixed Rate Home Equity Loan

A one-time loan with a fixed rate, ideal when you want stability with your rate and payment structure.

  • Fixed rates as low as 3.00% APR*
  • Borrow up to 100% of your home’s equity
  • Local loan processing and servicing
  • No closing costs**
  • Potential tax benefits***
 

Home Equity Line of Credit

A home equity line of credit (HELOC) is a revolving line of credit with a variable rate, using the equity of your home as collateral. However, you don’t have to take the full amount all at once. Instead, you can use the credit throughout the life of the loan.

  • Use your equity for any reason
  • Borrow money when you need it
  • Free checks for easy access
  • Withdraw advances directly from Online Banking
  • Potential tax benefits (consult a tax adviser regarding the deductibility of interest)


STEP BY STEP
GUIDE

Toolkit for
home loans


HOME
EQUITY GUIDE

What you
should know

 

HAVE QUESTIONS? WE’RE HAPPY TO HELP!

Call 316.263.5756 ext. 1 or Email This email address is being protected from spambots. You need JavaScript enabled to view it.

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Home Equity Loan: * Annual Percentage Rate. Borrow up to 100% of your home’s current market value, less any outstanding mortgage balance. Limited to owner-occupied properties.  Other restrictions may apply. The monthly payment on a $10,000 loan for 60 months at 4.04% APR would be $180.00. All loans are subject to approval. 
** $250 application fee is required and excludes appraisal if required.
*** Consult a tax adviser regarding the deductibility of interest.

HELOC: Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime Plus or minus a margin and the Loan to Value. The floor rate is 3.25% APR. Maximum APR during the life of the loans is 18.00% APR. For a limited time, Quantum will waive your closing costs for the following fees: title insurance, recording fees, and flood certification. Limited to owner-occupied properties. Other restrictions, fees and limitations may apply.

Quantum Credit Union is registered with the Nationwide Mortgage Licensing System and Registry (NMLS). Below are Quantum's registered Mortgage Loan Originators (MLOs) and their unique identification numbers:

Quantum Credit Union - Unique Identifier #466069
Michele Larkey - Unique Identifier #698971
Melissa Garcia - Unique Identifier #557325
Melisa Farris - Unique Identifier #557326
Regina Freige - Unique Identifier #759337

NOTE: Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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