
Borrow Against Your Home
Access funds for life’s big plans
Whether you want to leverage the equity in your home for renovations, consolidating debt, or major expenses, we have the right home equity products for you.
Benefits of our Home Equity Products
No Closing Costs
You can forget the closing costs with ALL of our Home Equity products! We’ll cover it so you don’t have to.
Flexible Payment Plans
Find the perfect fit for your budget with our flexible payment plans, offering both fixed and variable rates.
Competitive Interest Rates
Save even more with our competitive interest rates and no closing costs, making borrowing both affordable and stress-free.
Expert Guidance
Our dedicated lending team and trusted partners will help you find the best home equity solutions tailored to your needs.
Turn Your Home Equity into Opportunity
Ready to leverage your home’s value? Credit Pathways can help you understand the credit impact and make informed decisions.
Home Equity Loans (Fixed)
Secure your financial needs with our Home Equity Loan featuring a fixed rate. Enjoy predictable monthly payments and a consistent interest rate, making it easy to plan and manage your budget.
- NO CLOSING COSTS*
- Fixed rate
- No annual fee
- 90% Loan to Value (LTV)
- Start to finish processing in 10 to 14 business days
- Interest is often tax deductible**
- Loans available for up to $250,000
- Terms up to 15 years

Loan to Value (LTV, with Autopay) |
Term |
APR* (as low as) |
---|---|---|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
||
Loan to Value (LTV, with Autopay) 70% |
Term 1 – 7 years |
APR* (as low as) 6.00% |
Loan to Value (LTV, with Autopay) 70% |
Term 8 – 15 years |
APR* (as low as) 6.25% |
Loan to Value (LTV, with Autopay) 80% |
Term 1 – 7 years |
APR* (as low as) 6.50% |
Loan to Value (LTV, with Autopay) 80% |
Term 8 – 15 years |
APR* (as low as) 6.75% |
Loan to Value (LTV, with Autopay) 90% |
Term 1 – 7 years |
APR* (as low as) 6.75% |
Loan to Value (LTV, with Autopay) 90% |
Term 8 – 15 years |
APR* (as low as) 7.25% |
Home Equity Line of Credit (Fixed)
Access the equity in your home with our fixed-rate Home Equity Line of Credit. Benefit from a stable interest rate and flexible borrowing options, providing you with reliable financial support whenever you need it.
- NO CLOSING COSTS*
- No annual fee
- 90% Loan to Value (LTV)
- Start to finish processing in 10 to 14 business days
- Open, revolving Line of Credit for the first 2 years
- Interest is often tax deductible**
- Loans available for up to $250,000
- Amortized over a 10 year repayment period after the 2 year draw period
Loan to Value (LTV, with Autopay) |
Term |
APR* (as low as) |
---|---|---|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
||
Loan to Value (LTV, with Autopay) 70% |
Term 2 year draw, 10 year repayment |
APR* (as low as) 6.00% |
Loan to Value (LTV, with Autopay) 80% |
Term 2 year draw, 10 year repayment |
APR* (as low as) 6.50% |
Loan to Value (LTV, with Autopay) 90% |
Term 2 year draw, 10 year repayment |
APR* (as low as) 7.25% |
Home Equity Line of Credit (Adjustable)
Maximize your home’s equity with our variable-rate Home Equity Line of Credit. Enjoy flexible borrowing and potentially lower initial interest rates, with the convenience of accessing funds as needed.
- NO CLOSING COSTS*
- No annual fee
- 90% Loan to Value (LTV)
- Start to finish processing in 10 to 14 business days
- Open, revolving Line of Credit for the first 7 years
- Interest is often tax deductible**
- Loans available for up to $250,000
- Amortized over a 15 year repayment period after the 7 year draw period
Loan to Value (LTV) |
Term |
APR* (as low as) |
---|---|---|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
||
Loan to Value (LTV) 70% |
Term 7 year draw, 15 year repayment |
APR* (as low as) 5.75% |
Loan to Value (LTV) 80% |
Term 7 year draw, 15 year repayment |
APR* (as low as) 6.25% |
Loan to Value (LTV) 90% |
Term 7 year draw, 15 year repayment |
APR* (as low as) 7.00% |
Ready to Tap into Your Home’s Equity?
Contact our Lending Team today at [email protected] or 503.546.5000 to learn more about our home equity products. Apply online now and unlock the financial potential of your home!
Disclosures
-
*Eligibility for no closing costs is limited to owner-occupied homes.
**While interest is typically tax deductible, please check with a tax advisor to confirm deductions before taking on any loans. The interest rate a member pays is based on the member’s credit worthiness, credit history, loan-to-value ratio and term of the loan. Minimum Line of Credit for the Fixed HELOC is $10,000. For lowest rate, loan payments must be made via automatic payment. Rate is 0.25% higher for non-auto pay loan payments.
To qualify for a HELOC, a member must have sufficient home equity to qualify for minimum line of $10,000. Rates change the 1st day of the following month after Prime Rate index changes. Minimum payment: 1% of outstanding balance. The margin connected to Prime Rate is determined by credit score.
NMLS ID #440206