A happy father and young daughter share a funny moment while painting a room.

Home Equity Loans

A happy father and young daughter share a funny moment while painting a room.

Get cash on your terms with Unitus Equity Line Plus as low as 7.29% APR*. Get access to cash to make home improvements, pay for college tuition or medical bills, or to consolidate debt.

Use our calculator to see how much you could qualify for.

Apply Now

Fall in love with your home again!

Borrow what you need, when you need it! We’ve lowered our rates on Home Equity Loans. Use your equity for:

  • Home improvements or remodeling
  • Purchase energy-efficient upgrades
  • Cover unexpected expenses and more!
Apply Now

Today's Best Equity Line Plus Rate Options

  • Fixed Rate Segment - For Options 2 & 3

    as low as
    7.29
    %
    APR
    See Details

  • Principal & Interest Payment

    as low as
    8.74
    %
    APR
    Apply

  • Interest Only
    Payment

    as low as
    9.24
    %
    APR
    Apply

Home Equity Qualification Calculator

Use this calculator to determine the home equity line amount you may qualify to receive. The loan amount is based on a percentage of the value of your home.

NOTE: Calculators are for illustrative/research purposes only and do not reflect the actual results of any specific loan amount. Please contact Unitus for an accurate calculation.

How Equity Line Plus works

Let’s say you have $100,000 available on your line of credit and you want to pay off a student loan totaling $35,000. We’ll set up a fixed-rate segment1 for $35,000.

When you want to remodel your kitchen for $52,000 and replace your old deck for $13,000, we’ll set up additional segments on your line of credit.

You can create up to five segments on your Equity Line Plus and make one convenient monthly payment. Please contact us to set up your segments.

Benefits that make borrowing simple

  • Borrow only what you need

    Free up credit as you make payments, so you can re-draw money as you need.

  • Flexible Credit Line Amounts

    Line amounts start at $10,000 to meet your needs.

  • No Interest Until You Withdraw

    Easy access to cash, but you don’t pay any interest until you actually withdraw it.

Get Started

Maximize your borrowing opportunity

  • Equity Line Plus allows you to borrow up to 80% of the value of your home2
  • You can access cash for unexpected expenses or to pay down high-rate credit card debt
  • You make payments and only pay interest on the amount you spend3
  • Fixed-rate terms of 60-240 months are available

Disclosures

*APR=ANNUAL PERCENTAGE RATE. See Rates.

1A segment is a portion of the line balance that can be locked in at a fixed rate. During the draw period, as the segment balances are paid down, that principal reduction becomes available on the line providing maximum flexibility to re-draw money as needed during the draw period.

2Rates above are available for owner-occupied, detached, single family residential properties up to 80% CLTV. Rates higher for any other occupancy/property type.

3APR is variable. $50 annual fee waived first year. Property insurance is required for this loan.

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