Home Equity Loans

Features of a Credit Union Home Equity Loan

Fixed Rates

Enjoy a competitive rate that stays the same through your loan term.


Easy Repayment

Choose a term of 5 to 15 years, and transfer funds right from your JHFCU account.


Local Servicing

We'll service your loan here so you don't need to send payments out of state.


Higher Limit

Borrow up to 95% of your home’s value!


Home Equity Loan Details

A home equity loan lets you access cash with the convenience of fixed payments and rates.

A family is painting their wall during a renovation paid for with a home equity loan.
    • Use your funds for home improvements, weddings, vacations, medical bills, and more.
    • A home equity loan can also be used to consolidate high-interest debt.
    • Borrow $20,000 to $500,000.
    • Rates are based on your home equity, credit score, loan term, and loan amount.
    • Your APR will stay the same throughout the life of your loan.
    • You can choose a term between 5 and 15 years, depending on your budget and goals.
    • Local loan servicing means work directly with the credit union.

    JHFCU home equity loans are available for primary residences in Maryland, Virginia, Washington DC, Delaware, and Pennsylvania.

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    "Always efficient, a great place to do your banking."

    – Patricia K.

    Our Home Equity Loans Include These Benefits

    Affordable APR

    Lock in a fixed home equity loan rate so you're always on top of your payments.

    No Closing Costs

    We'll pay your closing costs** as long as your loan is open for at least three years.

    Loan Calculator

    Use our amortizing loan calculator to see how much you should borrow.

    Local Support

    We'll service your loan here and continue to offer support and advice whenever you need it.

    Simple Payments

    Open a JHFCU Checking or Savings account and easily transfer your loan payments.

    Considering a Home Equity Loan? Get In Touch Today.

    What do I need to apply for a home equity loan?

    A home equity loan is sometimes called a second mortgage. However, the home equity loan application process is much simpler than a first mortgage. In most cases, all you’ll need is proof of income, such as a recent pay stub.

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    *APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV), and term. Rates are subject to change.

    ***The closing costs will be added back to the loan payoff balance if the loan is paid off within the first three years and are only paid by JHFCU one time per property.