Should I refinance or get a home equity loan?

That depends on the terms of your original mortgage. A refinance might save you more money over time and still let you access equity if your home value has increased and your original mortgage had excellent terms.Learn More

Should I consider a home equity line of credit instead?

A home equity line of credit, or HELOC, isn’t a traditional home equity loan with a fixed principal and fixed payment. Instead, it lets you use the value of your home as a credit line, paying it as needed.Learn More

How much will a home equity loan cost me?

The cost of your home equity loan will depend on how much you borrow against your home’s value and factors like your credit score and loan-to-value (LTV) ratio. Interest becomes higher as the ratio increases. Calculate your costs.Learn More

Can I use equity as a second home down payment?

Using home equity loan proceeds as a down payment is doubtful. An original mortgage payment plus a home equity loan payment makes for a high debt-to-income (DTI) ratio. A new purchase loan might be possible if your home is paid for.Learn More

Can I use a home equity loan to buy a car?

You can use your home equity loan funds for whatever you want. However, depending on the interest rate and loan term, applying for a new or used auto loan might make more sense. Review all your options.Learn More

Home Equity Loans

Home Equity Loans Designed for Your Every Need

As your home increases in value, you can leverage that equity. A home equity loan is perfect for improving your home or paying off other outstanding debt.

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Trustworthy Home Equity Loan

Consolidate your other debts
Finance a life event
Renovate/remodel your home

Benefits of Home Equity Loans

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Finance up to 75% of your home's value with monthly payments spanning up to 15 years and no annual fees.

LOAN TYPE	Rate	APY
Home Equity Loans	7.50%	-

Mortgage Rates

The Best Home Equity Loan Rates

At One Nevada Credit Union, we believe your credit is just one part of the equation. We look at your whole financial situation before making a loan offer.

Fixed equity loan rates
No additional annual fees
Potential tax advantages

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Home Equity Loans

as low as:

7.50% APR*

Mortgage Calculators

Does an Equity Loan Make Sense?

Not sure whether you can afford a home equity loan? Use our mortgage calculators to determine the anticipated monthly payment (on top of any existing mortgage).

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All you ever wondered about home equity loans

Home Equity Loans FAQs

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Home Equity Loan rates and payments are determined by individual credit standing and appraisal value. Please call for complete details and the most current rates.

Consult your tax advisor regarding the deductibility of interest.

We do business per the Federal Fair Housing Law and Equal Credit Opportunity Act.

APR = Annual Percentage Rate and is listed "as low as." Mortgage rates excluded; call for APR. APRs can increase after the loan consummation if the loan terms allow an APR to increase.

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