Home Equity
The smart way to make home improvements, pay for college tuition or consolidate your higher-interest bills. Pay no origination fees*. Plus, your interest may be tax deductible.**
.Home Equity Loan - Borrow one lump sum at a fixed rate and a set repayment term.
- Pay no points, application fee or closing costs*
- Owner-occupied, site built
- Owner-occupied manufactured home
- Property must be located in Arizona
- Maximum term 15 years
- Minimum loan amount $10,000
- Property subject to eligibility requirements
Home Equity Refinance - Already have a Home Equity somewhere else? Refinancing it with Vantage West may lower your monthly payment! Ask us for a free consultation!
Home Equity Line of Credit - Get flexible access up to your approved variable line of credit amount. Draw on your home equity line of credit whenever you choose, for whatever you want.
- Pay no points, application fee or closing costs*
- Owner-occupied, site built
- Owner-occupied manufactured home
- Property must be located in Arizona
- Property subject to eligibility requirements
- Credit lines from $10,000
- Available as an Overdraft Protection source
- Access funds at any branch, through loan drafts, or with a Home Equity VISA® Gold Card
- Transfer funds via PhoneBank or Online Banking
*Loan must remain open for a min. of 2 years to avoid repayment of origination fees.
**Consult a tax advisor for tax deductibility guidelines
***Loans subject to approval. APR may vary with LTV ratio and is based on creditworthiness. Certain restrictions may apply. Always consult a tax advisor regarding the deductibility of interest. Rates subject to change.
- When Your Home Is On The Line
- Truth In Lending Terms & Definitions
- Fair Credit Reporting Act
- Important Terms of HELOC (Home Equity Disclosure)
- Equal Housing Lender Notice
- Home Mortgage Disclosure Act
- Equal Credit Opportunity Act
- Consumer Handbook on Adjustable Rate Mortgages
- Adjustable Rate Mortgage Disclosure
- Truth & Lending Disclosure
