Switch to: Home Purchase Loans
Home is where your next adventure begins…
The equity in your home can be used for more than home improvements. We even have an option where no equity is required!
- Consolidate debt
- Go on vacation
- Purchase a vehicle
- Pay for college expenses and more!
Prospera Home Equity Loan Options
Find the best option for you below, then check rates and apply online when you’re ready.
Home Equity Loan
Have a specific need in mind and know exactly how much you need? A Home Equity Loan is likely the right choice for you, a loan with a fixed payment and fixed term.
Save time by having this info ready before you apply.
Home Equity Line of Credit
Maybe you have a need in mind but you’re just not sure how much money it will take. The Line of Credit is a convenient choice since you can continually advance funds within an established limit without reapplying for the loan. It provides that extra bit of flexibility since we know not all projects go exactly as planned.
Save time by having this info ready before you apply.
Homeowner Multipurpose Loan/Line
Here’s that loan we mentioned above where equity is not required! This also comes with an option for a lump sum with a fixed payment and term, but wait, we don’t stop there. We also offer an option for a line of credit to provide flexibility.
Save time by having this info ready before you apply.
What To Know Before You Apply
The average application takes just 15-20 minutes to complete. Questions? Our Lending Team is here to help.
- Personal information of all applicants
- 2-year work history
- 2-year residency
- Purpose of loan (refi, consolidation, home improvement)
- Loan amount
- Idea what house is worth
- Bank account & deposit info
Home Equity Line of Credit Rates
| LOAN TYPE | TERM | APR1 (as low as ) | Payment |
|---|---|---|---|
| LOAN TYPE: Interest-Only HELOC | TERM: 12 Month Fixed Intro Rate2 /10 Year Draw Period | APR1 (as low as ): 5.75% | Payment: $50 min3 |
|
1Annual Percentage Rate (APR) is based on creditworthiness and loan to value (LTV) of 80% or less. The advertised APR includes a 0.50% discount for PCU checking and auto pay. 2After the 12-month introductory period the rate is indexed to the Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 4%. 3During the introductory and 10-year draw period, the minimum monthly payment will be (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. Rates as of 07/06/2026 at 9:55 AM. Subject to change without notice. |
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Homeowner Multi-Purpose Loan
Apply for a Homeowner M/P Loan| LOAN TYPE | TERM | Interest Rate | APR (as low as) | Payment per $1000 |
|---|---|---|---|---|
| LOAN TYPE: Installment (Lump Sum)1 | TERM: Up to 100 Months | Interest Rate: 9.25% | APR (as low as): 9.36% | Payment per $1000: $14.39 |
| LOAN TYPE: Personal Line of Credit2 | TERM: Variable Line of Credit | Interest Rate: 10.75% | APR (as low as): 10.75% | Payment per $1000: |
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¹Annual Percentage Rate (APR) is based on creditworthiness and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount: $40,000. Max term is 60 months for loans less $15,000 and less or 100 months for loans greater than $15,000. Loans currently held with PCU are not eligible. Offer limited to homeowners. Rates subject to change without notice. Rates as of 07/06/2026 at 9:58 AM. Subject to change without notice. |
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Contact a Prospera Lender Directly
Mee (Samee) - Hais lus hmoob
920-882-4708
mee.sams@myprospera.com
Grecia M. Ramirez - Hablo Español
920-882-4796
gracie.vera@myprospera.com
Sue Patchak
920-424-2379
sue.patchak@myprospera.com
Terrence-Christopher Patterson
920-471-1679
terrence.patterson@myprospera.com¹ APR = Annual Percentage Rate
Closing costs may vary.