Home Equity Solutions
Home, Reimagined.
Explore a DOCFCU Home Equity Loan or Line of Credit and find a borrowing solution that aligns with your goals.
Your home is more than a place to live. It’s an investment in your future. Whether you’re planning a renovation, consolidating higher-interest debt, or preparing for another important milestone, your home equity may give you options.
*Currently, we process HELOC’s & 2nd Trust loans in the following states AZ, SC, ME, CO, MD, VA, DC, WV, DE, NC, PA, FL, CA, GA, OH.
Rates
Effective: 11/1/2026
Home Equity Line of Credit | APR* as low as |
|---|---|
Base Rate (Prime + 0.25%) | 7.25% |
Combined Loan to Value > 85.01% – 90% (Prime + 1.00%) | 8.00% |
2nd Trust Mortgages (Home Equity Loans) | APR* as low as |
10 Years | 7.375% |
15 Years | 7.500% |
20 Years | 7.625% |
*APR = Annual Percentage Rate. Rates and terms may vary based on creditworthiness. The lowest advertised APR is available to qualifying borrowers. Rates are subject to change.
Home Equity Line of Credit (HELOC)
Flexibility when you need it.
- A low variable interest rate of Prime+0*
- No closing costs on an initial advance of $10,000 or more
- Tax-deductible interest payments (consult your tax advisor for details)
- The ability to borrow up to 90% of your home’s value (minus your first mortgage balance) up to $350,000
*No closing costs on an initial advance of $10,000 or more. Borrow up to 90% of your home’s value (minus your first mortgage balance) up to $350,000 must be eligible for DOCFCU membership. Other restrictions may apply, contact us for details. NMLS #810389
Home Equity Loan (Second Trust)
A set amount. A fixed rate. A clear repayment plan.
- A low fixed rate
- Tax-deductible interest payments (consult your tax advisor for details)
- The ability to borrow up to 90% of your home’s value (minus your first mortgage balance) up to $350,000
Lending
Your Home Has Potential. Explore What's Possible.
Use the equity in your home to help finance projects, manage expensess, or achieve other financial goals.
DOCFCU offers two ways to access your home’s equity:
Home Equity Line of Credit (HELOC)
A revolving line of credit that allows you to borrow as needed, up to your approved credit limit.
Home Equity Loan (Second Trust)
A loan that provides a lump sum with a fixed interest rate and scheduled repayment terms.
The right option depends on how much you need to borrow, how you plan to use the funds, and your financial priorities.
DOCFCU is A Lending Partner You Can Count On
At DOCFCU, we want to help you understand your options and make an informed borrowing decision.
Competitive borrowing options
Explore a variable-rate HELOC or a fixed-rate home equity loan.
Flexible access to your equity
Eligible homeowners may borrow up to 90% of their home’s value, less the outstanding balance on their mortgage, subject to underwriting and program limits.
Potential savings on closing costs
Qualifying home equity advances may be eligible for no closing costs, subject to program requirements and restrictions.
Personal guidance
Our lending team can help you understand the process, review your options, and determine the next steps.
What Could Your Home Equity Help You Accomplish?
01 | Create a Space You Love
Update your kitchen, renovate a bathroom, improve outdoor living spaces, or make repairs that help your home work better for you.
02 | Simplify Your Finances
Depending on your circumstances, consolidating higher-interest debt may help simplify payments. Compare the total costs and remember that a home equity loan uses your home as collateral.
03 | Prepare for What’s Next
Explore financing options for major expenses, education, or other significant life plans.
04 | Make Your Home Work For You
Consider improvements that supports accessibility, changing family needs, or long-term comfort.
Whatever you’re considering, start with a conversation about your goals, your budget, and the borrowing option that makes the most sense.
Have questions? We’re here to help. Please call 202.808.3600 to speak with one of our loan specialists today.
APR (Annual Percentage Rate) Disclosure: The Annual Percentage Rate (APR) applicable to Home Equity Lines of Credit (HELOC) will never exceed 18.00% or the maximum rate allowed by the NCUA, whichever is less.