Put Your Home Equity to Work

Home Equity Loans and Home Equity Line of Credit Help Free Up Funds for Life’s Expenses1

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A TruWest Home Equity Line of Credit (HELOC)

Get a revolving line of credit leveraging the equity of your home1

  • Borrow up to 90% of the value of your home, up to $500,0002
  • Pay interest only on the amount you use
  • Make interest-only payments for the first 10 years3
  • Use for purchasing an additional home with a second mortgage to eliminate private mortgage insurance, up to 90% of the value of the home2
  • Variable-interest rate that adjusts with the Wall Street Journal Prime Rate
Apply Today

Calculate Your Home Value

Click here for important estimated home value terms of use. Any use of the estimated home value is subject to the terms of use.

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Current Mortgage Value

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Estimated Home Value

Get your estimated home value with the click of a button. With the value in hand, you can make a good decision for your home financing needs. Whatever the next step is for you, TruWest is here to help!

(Click here for important estimated home value terms of use. Any use of the estimated home value is subject to the terms of use.)

STEP 1: Enter your home address to get the estimated value. Home values only available for AZ and TX.

The property address you entered did not return an estimated value because the property address is outside of Arizona or Texas, and there are no TruWest financing options available. For assistance, call our Mortgage Team at 855.841.9203.

The property address you entered did not return an estimated value. For assistance, call our Mortgage Team at 1 (855) 841-9203.

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(Click here for important estimated home value terms of use. Any use of the estimated home value is subject to the terms of use.)

Your home's estimated value:

$

(Click here for important estimated home value terms of use. Any use of the estimated home value is subject to the terms of use.)

STEP 2: Enter the balance of your current mortgage to learn how much you may qualify for on a Home Equity Line or Home Equity Loan. If you don’t currently have a mortgage, enter 0.

Home Equity Loan for a Secure Credit Source

Unlike a revolving line of credit, a home equity loan has a fixed monthly payment and closes once the loan is paid back.1

  • Fixed-interest rate and monthly payment
  • Borrow up to 90% of the value of your home, up to $500,0002
  • Use for purchasing a new home with a second mortgage to eliminate private mortgage insurance, up to 90% of the value of the home2
  • Terms up to 30 years
Apply Today
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Submit a Home Equity Payoff Request

Have a question or concern? Let us know how we can assist you, and we’ll be in touch soon.

Disclosures

1Must qualify as a TruWest member with a minimum $5 membership deposit and continuing balance. All loans are subject to application, approval, credit and product/program terms and conditions. HELOC and Home Equity loans only available in Arizona and Texas. Primary and Second homes only. Investment properties ineligible. Certain HELOC products charge an Annual fee of up to $75.00. Programs, rates, restrictions, terms and conditions are subject to change without notice. Other restrictions may apply.

2Based on combined loan to value (CLTV) and capped at a maximum loan amount of $750,000. HELOC Maximum 90% CLTV purchase and refinance transactions in Arizona. HELOC Maximum 80% CLTV refinance transactions in Texas. Subject to program terms and conditions. Subject to change without notice.

3Annual Percentage Rate (APR) may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate. Prime rate is a variable rate based on Wall Street Journal Prime Rate as published in the Wall Street Journal. On November 8, 2024, that index was 7.75%; resulting APR with a 0.50% margin is 8.262%. Floor rate is 4.0%. APR will never exceed 18.00%. This is a variable rate and therefore subject to change without notice. 10-year draw period for line of credit converting to a 20-year fully amortizing loan with fixed principal plus accrued interest payments. Actual rates, margin, and APRs dependent on credit history, type of product, loan term and combined loan to value (CLTV). Subject to program terms and conditions. Restrictions apply. See home equity addendum and Home equity line of credit agreement for complete details.