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Crafted Colorado Home Equity Loan Solutions

Home is a place where families grow, friendships flourish, and your financial needs become financial opportunities. Every mortgage payment is an investment in your equity which can be tapped to lock-down lower rate loans and remove stress from the equation when it comes to mapping your financial journey.

12 Month Rate Lock1 for a Limited Time for HELOC

applications received through September 30th, 2022.

You've worked hard on your home - it's time to put your home to work for you. Best yet, the interest you pay on Home Equity Loans may be tax-deductible. 
Your front door may be the door to your next solution. Give us a call at 303.279.6414 so our financial experts can help craft a plan that is right for the equity you've worked so hard to build.


What's the difference between the fixed loan and the line of credit?
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Think of all your high interest monthly payments and how great it would feel to have them bundled together in one easy-to-manage, low interest solution. If you're paying more toward interest than building your dream home, collect your bills and compare how much you could be saving each month by switching to a home equity loan or line of credit.

STEP 2 : Know What You Need To Apply 

Contact our experts today to review your home value, learn about your credit score, plan your budget, and craft your plan of action toward financial freedom.
Request A call back
STEP 3 : Apply 
 Simple applications, done in the time it could take you to finish a beverage.
 Complete your application and relax knowing that our financial experts will be back with you shortly.


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Home Refinancing

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Fast Track Short-Term Refinance

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Buying A New Home

*APR = Annual Percentage Rate. APR of 4.99% will result in 36 monthly payments of $29.42 for every $1,000 borrowed.

**Typical loan application and closing fees can range from $155 to $1140.

***Published HELOC rates based on approved credit and loan-to-value and adjust quarterly based on the Prime Rate as published in the Wall Street Journal 15 days prior to the beginning of each quarter. HELOC loans have a floor rate as low as 3.50% APR and a ceiling rate of 21.00% APR. Published HELOC rates based on approved credit and loan-to-value and adjust quarterly based on the Prime Rate as published in the Wall Street Journal 15 days prior to the beginning of each quarter. 

Par membership share of $5 required.  Federally insured by NCUA.  Please see an On Tap Credit Union Representative for more details. 

1.)  3.50% & 3.75% (Annual Percentage Rate) are promotional rates & are good on new HELOC loans opened or applications submitted June 28, 2022 – September 30, 2022. Subject to credit approval, not all borrowers will qualify for the promotional rates. 3.50% APR applies to loans up to a Combined Loan to Value (CLTV) of 80.00%. 3.75% APR applies to loans not to exceed 90% CLTV. HELOCs can have up to a 30-year term; with a 15-year draw and 15-year repayment period depending on the remaining balance. Promotional rate is good for 12 months from closing date. Variable annual percentage rate (VAPR) will apply after promotional period ends and is based on credit worthiness at time of application. Best rate is 0.25% [“Margin”] below Wall Street Journal Prime Rate “Index”] subject to the floor rate of 3.5% and ceiling rate of 21.00%. For example, standard rates of 3.99% up to 7.25% VAPR are current as of 05/15/2022. FOR A LIMITED TIME – Special loan interest rate is good for 12 months for applications received through September 30, 2022.

Rates are subject to change after the promotional period ends. Not available on refinance of On Tap Credit Union mortgage loans. Owner occupied and insured Colorado properties only. Membership share of $5 is required.

CLTV = Combined Loan to Value Programs, rates, terms and conditions are subject to change without notice.