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Home Equity

Dream Big! Whether you're improving your home, your financial picture through debt consolidation or your mood with a long needed vacation... a Partners 1st Home Equity option could get you there.

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Home Equity Loan

Your home may have the keys to your financial goals. Thinking of home repairs, consolidating high interest debt, or planning your much needed vacation? Your home’s equity can help! A Partners 1st fixed-rate home equity loan might be a great option.

There are flexible options, including:

  • 5-year, 10-year and 15-year repayment options available.
  • Opportunities to borrow up to 133% of your home's equity, minus any first mortgage balance, up to $100,000.
  • No points paid by you!

The home equity loan program may be tax deductible.*

*Partners 1st is not a tax consultant, therefore all questions concerning tax deductibility or tax liability should be directed to the IRS or your tax advisor.

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Home Equity Line of Credit (HELOC)

As a homeowner, you're accumulating borrowing power. That's power to have a bit of financial freedom. Whether you want money to pay off debts for home improvements, educational expenses or just about anything else, our interest only home equity line of credit lets you use your home's equity any way you want, as it's more flexible than a typical home equity loan!

As the equity in your home grows, you can borrow against the equity of your home to make your dream a reality with a home equity line of credit with great rates from Partners 1st. The application process is simple, and you can rest easy knowing the staff at Partners 1st is behind you every step of the way.

The possibilities with a Partners 1st home equity line of credit are endless:

  • Finance home improvements
  • Consolidate bills
  • Take a vacation
  • Fund college
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Home Improvement

Home improvement loans through Partners 1st are an excellent way to finance your home improvement projects. Rather than putting it all on a credit card, where rates are much higher, take out a home improvement loan, which has tax deductible interest for most borrowers.

Make your current house the home of your dreams with so many great benefits, including:

  • Borrow up to 133% of your home's value (Secured)
  • Must be used for Home Improvement Only
  • Unsecured loan options ($7500/10 Year Amortization)
  • Secured loan options (up to $100,000/15 Year Amortization)
  • Eligible owner occupied property types: Single Family Detached, Townhouse, Condominium
  • Work order and/or materials list required

For more information and to get one step closer to finishing that home improvement project, contact us at mortgage@partners1stcu.org or call 260-471-8336 or 800-728-8943.

*Home improvement loans $7,500 or less will be unsecured and require a minimum credit score of 660. Loans above $7,500 will be underwritten as a fixed rate second mortgage minimum credit score of 660. $150 application fee applies. APR = Annual Percentage Rate.