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Home Equity Loans

Use the equity in your home to make simple repairs, complex renovations or energy improvements

You can also use your home’s equity to pay off a car loan, finance education, consolidate debt or take the vacation of your dreams!



On Tap Credit Union’s Home Equity Loan program features:

  • No Points
  • Fixed rate, fixed payment
  • Fast approval

Our variable-rate HELOC is a revolving line of credit that you can access any time for 15 years with no need to reapply when you need additional funds.

  • Competitive variable rate**
  • 15-year draw period / Up to a 15-year repayment period***
“Leslie believed in me and helped me refinance my home and establish a Home Equity Line of Credit during a difficult time. As a single mom, that not only helped me support myself and my daughter, but has had far reaching and powerful positive results that helped change my life.”
Suzanne C. , Member Since 2012

 **APR = Annual Percentage Rate. 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. 

 ***Please see an On Tap Credit Union representative for more details.

Leslie Larson

Leslie Larson

Home Loan Consultant
NMLS #449654
Phone: 303.384.4586
Fax: 303.209.9186
I have been working in the home loan business for more than 30 years. I understand all facets of the home loan process, having experience as an entrepreneur, originator, processor and closer. I work closely with my clients and develop relationships with all parties involved to ensure that your home loan experience goes smoothly. I have knowledge and experience in all loan types, including FHA, VA and Conventional financing, and can help you choose the program that works best for you. 

Ian Pertner

Ian standing in Golden Branch Lobby

Home Loan Consultant
NMLS #996100
Phone: 303.209.9110
Fax: 303.209.9130

I have been with On Tap Credit Union since 2001, holding several positions including loan processor, underwriter, loan officer and home loan consultant. I love helping people achieve their financial goals – buying their first home, refinancing an existing mortgage to lower their monthly payment, or using their home equity for home improvements, buying a vacation home or an investment property.

As an employee of On Tap Credit Union, I’ve learned that our members are each unique. Our members are real people with real dreams and goals. That means my number one goal is to make sure I craft individual banking solutions for each member. I match them with the best mortgage product to fit their needs. Equally as important is to make sure the mortgage application process is as easy, transparent and educational as possible.



Leslie Talks About the Joys of Home Loans

Ian Shares a Memorable Loan

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