Home Equity Loans
Fixed- and Variable-Rate Home Equity LoansPut the equity in your home to work—or play
Home equity loans are secured against value that you’ve built up in your home: meaning your down payment, what you’ve paid toward principal in your monthly mortgage payments and home appreciation. They typically come with lower interest rates than unsecured loans.
You can use home equity loans for anything you like, from home improvements to travel or education costs. We offer two ways to tap your home equity: a fixed-rate loan for a set amount, and a variable rate line of credit.
Mortgage/Home Equity Rates
Rates effective as of: 4/9/2021 9:54:00 AM (ET).
| PRODUCT | RATE | POINTS | ANNUAL PERCENTAGE RATE |
|---|---|---|---|
| 30 Year Fixed Rate Mortgage | 3.125% | -0.250 | 3.262% |
| 15 Year Fixed Rate Mortgage | 2.375% | 0.250 | 2.655% |
| 30 Year Fixed VA | 2.875% | 0 | 3.010% |
| 30 Year Fixed Mortgage Construction Single Close | 3.375% | -0.250 | 3.470% |
| Home Equity Line of Credit Fixed Term | 2.500% | 0 | 2.500% |
Home Equity Loan
This is our standard fixed-rate loan that’s secured by your home. It’s also known as a second mortgage. You borrow a lump sum all at once, and your monthly payment never changes for the life of the loan.
Home equity loans are great if you know exactly how much cash you need. You can use the loan for anything—but if you use it for home improvement, you can deduct the interest from your income tax (please consult your accountant).
Home Equity Line of Credit
A home equity line of credit (HELOC) lets you borrow what you need, when you need it; you only pay interest on the money you withdraw within the first 10 years. These loans are great for ongoing projects. The interest rate varies based on market rates.
Work with Your Own Personal Mortgage Specialist
Jennifer Brooks
Real Estate Lending Specialist
800.619.6575 ext. 7554
NMLS# 644376
Hinsdale Walmart Branch
Keene Branch
Loans in Vermont
Apply Now with Jennifer Brooks
Carol Callihan, CMP
Real Estate Lending Specialist
800.619.6575 ext. 2048
NMLS# 644374
Amherst Branch
Hudson Walmart Branch
Nashua Branch
Apply Now with Carol Callihan
Ryan Conroy
Real Estate Lending Specialist
800.619.6575 ext. 2981
NMLS# 1921930
Grand Forks Branch
Newington Branch
Portsmouth Branch
Portsmouth Walmart Branch
All National Loans
Apply Now with Ryan Conroy
Robert Derrickson
Manager Real Estate Loan Originations
800.619.6575 ext. 8339
Cell phone: 603.812.1542
NMLS# 170208
All Branches and National Loans
Apply Now with Robert Derrickson
Krysten Fowler
Real Estate Lending Specialist
800.619.6575 ext. 2910
NMLS# 1703882
Epping Walmart Branch
Exeter Branch
Hampton Branch
Portsmouth Branch
Seabrook Branch
Tyco Branch
All National Loans
Apply Now with Krysten Fowler
Matt Gallant
Real Estate Lending Specialist
800.619.6575 ext. 2262
Cell phone: 603.957.8393
NMLS# 1132974
Southern New Hampshire
Apply Now with Matt Gallant
Lawrence “Larry” George, CMP
Real Estate Lending Specialist
800.619.6575 ext. 7588
Cell phone: 603.957.2206
NMLS# 162531
Derry Walmart Branch
Salem Branch
Salem Walmart Branch
Apply Now with Larry George
Jennifer Getzie
Real Estate Lending Specialist
800.619.6575 ext. 7679
Cell phone: 603.957.8181
NMLS# 1529265
Bedford Branch
Falmouth Branch
Manchester Walmart Branch
All towns & cities in Massachusetts
Apply Now with Jennifer Getzie
Christopher W. Gilman
Real Estate Lending Specialist
800.619.6575 ext. 7643
Cell phone: 603.252.1011
NMLS# 644375
DHMC Branch
Lebanon Branch
Loans in Vermont
Apply Now with Christopher Gilman
Kathleen Horgan
Real Estate Lending Specialist
800.619.6575 ext. 2025
Cell phone: 603.812.3809
NMLS# 644378
Berlin Branch
Concord Walmart Branch
Franklin Branch
Gorham Walmart Branch
Laconia Branch
Lancaster Branch
Plymouth Walmart Branch
Apply Now with Kathleen Horgan
Michael Schulenberg
Real Estate Lending Specialist – National
800.619.6575 ext. 6587
NMLS# 313608
Grand Forks Branch
Pease Branch
Portsmouth Branch
Portsmouth Walmart Branch
All National Loans
Apply Now Michael Schulenberg
Christine Wellington
Real Estate Lending Specialist
800.619.6575 ext. 6959
NMLS# 1444729
Pease Air National Guard Base Branch
Pease Branch
Rochester Branch
Somersworth Branch
Somersworth Walmart Branch
Apply Now with Christine Wellington
Michael Mulhern
Asst. Vice President – Real Estate Lending
800.619.6575 ext. 8332
NMLS# 276051
Apply Now with Michael Mulhern