Put Your Home's Equity to Work Upgrade Your Home or Your Payment
Your home isn't just where you live—it's a powerful financial tool.
With a Home Equity Loan or Home Equity Line of Credit (HELOC) from Qualstar, you can use your equity to transform your space, improve your finances, or prepare for what's next.
Whether you're remodeling your home, consolidating debt, or looking to lower your monthly payments, we have flexible financing options designed to fit your goals—and your budget.
Use Your Equity To:
- Remodel or upgrade your home
- Refinance high-rate debt or existing loans
- Consolidate multiple payments into one
- Cover major expenses or planned purchases
- Finance home repairs and improvements
- Create a financial cushion for unexpected costs
Home Equity Loan
Predictable Payments. Fixed Rate. Zero Set-Up Costs.
A Home Equity Loan gives you a lump sum with a fixed rate and predictable monthly payment, making it ideal for one-time projects and expenses.
Great For:
- Home renovations
- Debt consolidation
- Major purchases
- Large repairs
Benefits:
- Competitive rates
- Fixed monthly payments
- Fixed interest rate
- Zero set-up costs**
- Local service and support
Home Equity Line of Credit (HELOC)
Flexible Access to Funds When You Need Them
A HELOC gives you ongoing access to your available equity, allowing you to borrow only what you need, when you need it.
Great For:
- Ongoing home improvement projects
- Expenses that happen over time
- Emergency funds
- Financial flexibility
Benefits:
- Borrow as needed
- Reusable line of credit
- Competitive rates
- Flexible repayment options
- Access funds when opportunities arise
Put Your Equity to Work—Without the Guesswork.
Choose a Home Equity Loan if:
- You know exactly how much you need
- You want a fixed payment
- You prefer a fixed interest rate
Choose a HELOC if:
- You need flexibility
- Your project will happen in phases
- You want access to funds for future needs
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Why an get an Equity Loan from Qualstar?
- Competitive rates*
- Zero set-up costs**
- Predictable payment options
- Flexible borrowing solutions
- Local decisions and personalized service
- Convenient online application
Ready to Put Your Equity to Work?
Whether you're planning a renovation or looking to improve your finances, Qualstar can help you make the most of your home's value.
‡Rates update daily, call us for a quote based on your specific situation.
*Annual Percentage Rate. Rates and terms subject to change without notice. Loan approval, term, and rate received are based on the applicant’s credit qualifications.
**No set-up fees are charged to the member at funding. Set-up costs paid by the Credit Union range from $200-$500, depending on the transaction, and will be reimbursed by the member if the loan is paid off and closed within 3 years of opening. A loan origination fee of 1% of the loan amount (or credit limit if a HELOC) will also be charged in addition to the closing costs ($150 – $500) if the loan is paid off and closed within the first 12 months. Please refer to the Fees page for more information about fees associated with this product. Flood/hazard certificate and property insurance required. Consult your tax advisor regarding the tax deductibility of interest.
Click here for all loan fees (fees may not apply to this loan type.)
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