Home Equity Loan

What’s on your ‘one day’ list?

Want to fix up your house? Consolidate debt? Pay for education expenses? Use this fixed-rate second mortgage loan with competitive rates and terms, and no points or pre-payment penalties to put your plans into action.

Whatever your needs may be, our local experts will work with you to make them happen, with quick decisions that are locally made.

Loan Features

  • Use funds for any purpose
  • Fixed low rates and flexible terms up to 15 years
  • Affordable payments
  • Local decision-making
  • Potential tax advantages (consult your tax advisor)
  • No closing costs!
Apply Online Today

Refinancing your first mortgage and need to know how to subordinate your second mortgage? Download how to subordinate your second mortgage.

“We’d recommend 1st Financial to anyone that is looking for great service and staff that always remembers your name!”michelle & george st charles, MO

You may also be interested in:

  • Home Improvement Loan

    If your home is in need some TLC, but you don’t have substantial home equity yet, then a Home Improvement Loan could be what you need.

    Learn more 

  • Home Equity Line of Credit

    A home equity loan tied to a credit card for easy access. You may use it as often as you wish to make purchases anywhere Visa is accepted.

    Learn more

  • Home Value Estimator

    Use our Home Value Estimator to get an estimate of your home’s value to plan the best home improvement and loan option for your needs.

    Learn more

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators (MLO) and their employing institutions to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each MLO is provided a unique identifier from the NMLS. Below is a list of the MLO’s employed by 1st Financial Federal Credit Union Credit Union (NMLS ID # 408163). View Our NMLS ListFor more information about the registry, please visit the NMLS.

View our full Truth In Lending disclosure

For residential mortgage lending, Federal law requires that we ask applicants for their demographic information (ethnicity, race, and sex) in order to monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws

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