UNLOCK YOUR HOME’S EQUITY
Home Equity Loans & Lines of Credit with SJP Federal Credit Union
If you’re planning a renovation, addition, swimming pool, or major home project, your home’s equity can be a powerful and flexible financing tool.
At SJP Federal Credit Union, we offer home equity loans and lines of credit designed to fit a wide range of needs — with competitive pricing, clear terms, and local decision-making.
WHY BORROW AGAINST YOUR HOME WITH SJP FCU?
✔ Flexible Loan Options
Choose from fixed-rate home equity loans or variable-rate lines of credit, depending on your needs.
✔ Competitive, Member-Focused Rates
Strong pricing without teaser rates or gimmicks.
✔ Options for Different Equity Levels
Programs available for members with limited equity or substantial equity.
✔ Local Decisions, Simple Process
No call centers. No pressure. Decisions made right here.
✔ Use Funds Your Way
Renovations, additions, landscaping, pools, or other home improvements.
WHAT HOME LOAN OPTIONS ARE AVAILABLE?
We offer several home lending options, including:
Home Improvement Loans
A closed-end loan option designed for smaller to mid-size projects and members with limited equity.
Home Equity Loans up to 100% LTV
For members with strong credit profiles, home equity financing may be available up to 100% loan-to-value, including both fixed-rate loans and variable-rate lines of credit.
Home Equity Loans up to 80% LTV
Members with significant equity may qualify for our most competitive pricing by keeping total mortgage and equity balances within 80% of the home’s value.
Not sure which option fits best?
We’re happy to walk through it with you.
HOW IT WORKS
Apply Online – Fast and secure
We Review Your Information – And help match you to the right option
Get Approved – Clear terms, no surprises
Start Your Project – With flexible access to funds
QUESTIONS? LET’S TALK.
Not sure how much equity you have?
Don’t have all the details yet? No problem — we can help.
Email:
All loans subject to credit approval. Rates, terms, and eligibility may vary and are subject to change.
