| Home Equity3 | Home Equity Line of Credit (HELOC) | Home Improvement | |
| COLORADO ONLY | |||
GREAT FOR |
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HOW MUCH CAN I BORROW |
$25,000 - $99,999 (2nd liens no maximum) |
$10,000 Minimum (no maximum) |
$10,000 - $50,000 |
RATE |
Fixed | Variable | Fixed |
TERMS |
Up to 180 months |
120-month draw (interest only payment) |
Up to 180 months |
CONVENIENT PAYMENT OPTIONS
Make your payments quickly and easily through online and mobile banking, by phone or mail, with recurring automatic payments or in your neighborhood financial center.
Unlock the Equity in Your Home
Fund major remodeling projects, tackle high interest debt or manage unforeseen expenses.1
Make payments in online banking.
Receive 0.25% APR discount with auto debit.2
Variable and fixed rate options available.
How much can I borrow?
Explore our calculators to help you make decisions about what type of loan or line of credit might best suit your needs, budget and financial goals.
Ready to discuss your options?
Our experts can walk you through which home equity loan is best for your unique situation.
Thinking of buying a new home?
Whether your ready to build, buy or refinance your home, we have experts in your neighborhood.
1. APR = Annual Percentage Rate. Normal credit standards apply. Proof of current property insurance required. Payment example: $50,000 for 60 months at 6.75% APR = $984.17. Monthly payment amounts vary by loan term and rate. 2. Rate discount of 0.25% APR available to only Colorado HELOC customers and when loan payment is automatically debited from an Independent Financial account. 3. Loan funds can be accessed after closing. Independent Financial reserves the right to distribute any funds related to debt consolidation. Loan funds cannot be used for student loans, business loans or agricultural purposes.