Home Equity Options

Get the financing you need to keep the future in sight

Big life decisions can cost big money, no matter how budget-conscious you are. San Francisco Federal Credit Union offers the support you need to move forward with confidence.

Discover the Great Features of a Home Equity Loan from San Francisco Federal Credit Union

Home equity loans are the starting point for remodeling projects and upgrades along with life’s most exciting events, like weddings and vacations. And luckily, when you choose a home equity loan from San Francisco Federal Credit Union, you get competitive rates, flexible terms and great benefits to jump-start you toward those goals.

Some features of home equity loans from San Francisco Federal Credit Union include:

  • Lump Sums: Close your loan for lump sum cash designed for any purpose.
  • Fixed Rates: Predict your monthly payments quickly, accurately and affordably.
  • High Loan To Value Ratios (LTV): Get the biggest bang for your buck with ratios that reward your diligence and dedication.

Make your home’s equity work for you with one of our lending solutions.

Home equity is a resource that can be tapped into and repurposed for many things, from debt consolidation and home repairs to dream weddings and family vacations or increase the value of your home.

You can achieve any of your goals using a variety of options from San Francisco Federal Credit Union.

Home Equity Line of Credit (HELOC)

A home equity line of credit (HELOC) is a revolving credit line that can be used for many purposes. Over a 10-year draw period, you can withdraw funds directly proportionate to your home’s maximum equity value. Once the borrowed funds are paid back, they are available to be used again.

Some features of HELOC loans include:

  • Up up to 70% LTV of home equity
  • Competitive variable rates
  • 10-year withdrawal & 20-year repayment plans
  • Online, mobile, and in-person banking
  • Complete servicing from San Francisco Federal Credit Union

Home Equity Loan

Unlike HELOCs, home equity loans are financing options that do not revolve every month. The dollar value of the loan is determined by estimating the difference between what’s left of your mortgage and the current value of your home. You are not required to borrow the full amount, but can instead borrow only what you need.

Some features of home equity loans include:

  • Can be used to pay for large expenses and life’s milestones
  • Ability to borrow lump-sums
  • Flexible repayment terms
  • Fixed, secure and predictable rates
  • Only borrow what you need
  • Competitive APR rates


What factors determine my home equity rates?

Any home equity loan or line of credit (HELOC) rate will be determined based on a few factors. Your debt-to-income ratio, credit score and repayment history go into this calculation.

How much money can I borrow

Home equity loans are determined by subtracting the amount you owe on your home from the value of the house. In contrast, HELOC rates are determined by your monthly income, debt and related financial factors (as well as home equity). Both of these home equity options rely heavily on the loan to value ratio (LTV) of your home.

When would I use a HELOC vs. Home Equity Loan?

The most important difference between a home equity line of credit (HELOC) and a home equity loan is found in the retrieval method. HELOCs are revolving credit lines that enable small sums to be withdrawn and repaid over time. Home equity loans are lump sum options that pay for one-time purchases.

Contact Us for more information or call 415.775.5377

Find Your Key To Success With Flexible Home Equity Options

Tapping into your home equity enables you to live life your way. Allow the crew at San Francisco Federal Credit Union to supply you with everything you need to succeed.

*APR=Annual Percentage Rate. Some restrictions may apply. All loans subject to credit approval. This loan is for primary residences only and the maximum combined loan-to-value ratio is 70%.

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