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Home Equity

Rates as Low as 3.25% APR¹ and No Fat Cat Fees.

Get access to the cash you need, when you need it.

Unlock the Power of Your Home

Whether you are looking to make home improvements, buy a car, consolidate debts or pay for unplanned expenses, the equity you have in your home could be the solution. Affinity's EasyFlex Home Equity Line of Credit gives you the key to getting more out of your home, combining the flexibility of a variable-rate line of credit with the benefits of fixed rate loans.

With EasyFlex, you can:

  • Get a great rate, as low as 3.25% APR¹
  • Other rates available for up to 90% combined loan-to-value.
  • Lock-in up to three fixed-rate loans during the draw period of your line without needing to reapply.
  • Draw funds for up to 10 years, with a 15 year repayment term.
  • Reduce your monthly payments as you repay what you’ve borrowed.
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No Hidden Fees or Surprises

With EasyFlex, there are no fat cat fees!

  • No application fee
  • No appraisal fee
  • No annual fees
  • No pre-payment penalties

Additional Benefits

EasyFlex might also be able to help with:

  • Lower Monthly Payments: Consolidating balances from other loans and credit cards to a low-rate EasyFlex could result in a lower, more manageable monthly payment.
  • Tax Savings: Unlike credit cards, student loans or auto loans, interest paid on a home equity loan may be tax deductible (consult your tax advisor).
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¹ APR = Annual percentage rate. Advertised APR is variable and subject to change. Stated rate and term is current as of 12/15/2016, is variable based on the Prime Rate as published in the Wall Street Journal, is for a maximum Combined Loan-To-Value (CLTV) ratio of 59.9%, with a maximum loan amount of $250,000, for applicant with highest credit rating, and is discounted 0.25% for automatic payments from an Affinity account. Other rates are available based on loan amount, credit characteristics, and CLTV up to a maximum of 90% for members who have an Affinity first mortgage, and up to 80% for members who do not have an Affinity first mortgage. The standard minimum APR (floor rate) is 3.00% and the maximum APR (ceiling rate) is 18.00%. Offered rates are subject to change without notice. Subject to underwriting approval. Your actual interest rate is based on our review of your creditworthiness and the available equity in your home and is contingent upon you granting Affinity a valid first or second mortgage.

Home equity loans and lines of credit are available in all states except Texas. Certain states may require a closing attorney. State specific fees may apply at closing. Satisfactory Homeowners’ Insurance is required. Satisfactory Flood Insurance may be required. Title Insurance may be required based on loan amount. Eligible properties include owner-occupied, 1-2 family residences and warrantable condominiums. Investment properties, second homes, vacation homes, cooperatives, mobile homes, and purchase money transactions are excluded. Consult your tax advisor regarding the deductibility of interest charges for these loans.

Within the EasyFlex Home Equity Line of Credit (HELOC) there is a fixed rate option which you may use for up to 3 advances within your available credit line, during the draw period only, with a maximum repayment term of 10 years. When you choose this option, the interest rate you receive for that advance will be fixed until the balance is repaid. Your fixed interest rate will be 1% higher than the existing rate on your line at time of the fixed loan request. The available limit on your line of credit will increase as you repay the principal balance of your fixed rate loan(s).