Put that equity to work
Whether you're turning your dream kitchen into a reality, making home improvements, or using the equity in your home to pay for expenses like funding college expenses or debt consolidation, a home equity loan could be the answer.
Finance up to 90% of your home's value with a repayment term of up to 20 years and a fixed rate. Contact one of our real estate lending experts or apply today!
Meet Our Real Estate Team
Kelsey Drager
541-704-4707
NMLS: 1930423
With years of experience in banking and real estate, Kelsey knows how essential it is to have a professional who understands the industry and listens to your needs. She has extensive knowledge of the local markets and a passion for helping members. When Kelsey is not helping members, she can be found at the race shop with her husband working on their race cars.
Jay Nevin
541-704-4717
NMLS: 1105736
Working in the Banking industry since 2007, Jay enjoys creating financial solutions for members. Whether you are looking to purchase your dream home or refinance your current mortgage, you can rest assured that you are in excellent hands. When Jay is not helping members with their real mortgage needs, he is at home spending time with his two cats Camille and Kevin.
Frequently Asked Questions
A Home Equity Loan enables you to borrow money by leveraging the equity in your home. The loan amount is disbursed in one lump sum and paid back in monthly installments over a pre-determined term.
A home equity line of credit (HELOC) is more like a credit card, where you have a balance that you can use. As you pay off what you borrow, you can access those funds again. And HELOCs have a different fee and interest rate structure.
- Property must be owner occupied.
- Max loan amount $350,000.00
- Term is 5-20 years
- Fixed rate
- Up to 90% financing
- No Annual Fee
We currently do offer the option to make your loan payment online with a debit card. Just use this Make a Payment link.
Yes, you may make your loan payment online from your Central Willamette account(s) by logging into Online Banking and clicking on Move Money.
Yes, you may make your loan payment over the phone. Please call us at (800) 950-4536 or (541) 928-4536 to have your payment transferred from your Central Willamette account. To make your payment from your account established at another financial institution, you may use your debit card or check by phone (fees may apply).