An equity loan solution that offers flexibility. This is a variable* rate line of credit that is secured by the equity in your home. Use it to put in a pool, take a vacation, consolidate debt or pay for a wedding. Home Equity lines of credit offer:

• Flexibility in costs - NO FEES - no discount points, no origination fee or annual fees!*
• Flexibility in the amount you want to borrow- credit limits up to 100% of the available equity in your home - from $10,000 to $150,000.
• Owner occupied Arizona homes only.
• Flexibility in payment and terms - this is a line of credit that you can draw upon for five years, and then take another ten years to repay.

How to apply for a Home Equity Line of Credit?

• Request an application by phone -602-252-6831
• Download an application - click here for download
• Fax application to 602-383-1201

Drop off the application at any branch

* Variable interest rates calculated by index (Prime Rate as published in the Wall Street Journal) plus a margin. Floor rate is 5.00% and a ceiling rate of 16.00%. Rates are subject to credit performance and loan to value. If an appraisal is required, borrower must pay for appraisal, which can be deducted from the loan proceeds.

If you do not need the flexibility of a line of credit or want the steadiness of a fixed rate, then this product is for you. This is a fixed rate mortgage for a term up to fifteen years. This product offers:

• We offer loans up to 95% financing for loan amounts up to $200,000 for second mortgages.
• This loan can be used to purchase a home up to 80% of the purchase price.
• This loan can be used as a purchase money second - loan to value up to 90% to avoid PMI (Private Mortgage Insurance)
• No discount points
• Up to 15 years
• Owner Occupied Arizona homes only

How to apply for a Second Mortgage?

• Request an application by phone -602-252-6831
• Download an application - click here for download
• Fax application to 602-383-1201

Drop off the application at any branch

* This is a fixed rate loan. On a $40,000 loan at 8% for 15 years the monthly payment would be $382.26.