*No closing costs on loans under $250,000. Offer valid for a limited time on qualifying Home Equity loans of $20,000 or more new money. DuGood FCU will cover the appraisal cost if an appraisal is needed. Rates vary, are subject to change, and are based on individual credit worthiness. Maximum Loan-to-Value is 80%. Payment Example: A Home Equity loan of $100,000 for 30 years at 4.00% (4.00% APR) will have a monthly payment of $477.60. Taxes and insurance are not included in this example, your actual payment may be higher.

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Compare Home Equity Loan Rates as Low as:

Rates effective February 1, 2020

5 YEARS

3.25%*

3.25% APR*

Maximum LTV is 80%

7 YEARS

3.50%*

3.50% APR*

Maximum LTV is 80%

10 YEARS

3.75%*

3.75% APR*

Maximum LTV is 80%

15 YEARS

3.75%*

3.75% APR*

Maximum LTV is 80%

20 YEARS

3.75%*

3.75% APR*

Maximum LTV is 80%

30 YEARS

4.00%*

4.00% APR*

Maximum LTV is 80%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted include a .25% loyalty discount and are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Home equity rates valid on first lien home equity loans only. A loyalty discount applies to members who fund a loan and have or open an Advantage Checking account. Please call to verify listed rates and fees.

See How A Home Equity Loan Can Benefit You.

Cash for any purpose

Choosing a Home Equity gives you the freedom to take out cash for whatever you need. Remodel your home, take a trip, pay off high-interest debt, or celebrate a wedding.

A Home Equity can help you accomplish your goals.

Lower Your Monthly Payments

Taking advantage of a Home Equity loan gives you the flexibility to lower your monthly payment in a variety of ways. Our rates are some of the lowest around, which means the interest portion of your monthly payment will be lowered - and you'll enjoy even bigger savings in the long run.

With a DuGood Home Equity, you'll also have the option to choose a term from 5 - 30 years. Longer terms mean smaller monthly payments.

Pay Off Your Mortgage Faster

If paying off your home quickly is your goal, getting a Home Equity is a great tool to accomplish this. When you refinance your Mortgage into a Home Equity, you'll save significantly with no fees or closing costs.*

Choosing a shorter term will also help you pay down your loan balance faster, and you'll reap the benefits of big interest savings in the long run.

*No closing costs on loans under $250,000. Offer valid for a limited time on qualifying Home Equity loans of $20,000 or more new money. DuGood FCU will cover the appraisal cost if an appraisal is needed. Rates vary, are subject to change, and are based on individual credit worthiness. Maximum Loan-to-Value is 80%. Payment Example: A Home Equity loan of $100,000 for 20 years at 4.00% (4.00% APR) will have a monthly payment of $606.14. Taxes and insurance are not included in this example, your actual payment may be higher.

SEE WHAT OTHERS HAVE TO SAY

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Meet Our Mortgage Team

Sandra

Sandra Bickham
VP Mortgage Lending
(409) 726-2107
  Email

Susan

Susan Benoit
Mortgage Operations Manager
(409) 726-2115
  Email

Sandra

Sandra Flanigan
Senior Mortgage Lender
(409) 726-2104
  Email

Sandy

Sandy Ferrell
Senior Mortgage Lender
(409) 726-2106
  Email

Holly

Holly Barlow
Mortgage Loan Processor
409-726-2113
  Email

Candy

Candy Pitts
Mortgage Loan Processor
(409) 726-2111
  Email

Get answers to frequently asked questions

Download our free Home Equity Guide

It breaks down the process step by step. Inside you'll learn what a home equity loan is, how you can use a Home Equity loan to achieve your goals, how to calculate the equity you currently have, and more!

Home Equity Loan Guide