Home Equity Loans

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A Home Equity Loan allows you to borrow a fixed amount that you receive in one lump sum. Like the name implies, you are able to put the mortgage payments you’ve been making all these years to good use by accessing the equity in your home to fund improvements. The amount you will qualify for is calculated based on your home’s loan-to-value ratio, payment term, your income and your credit history.

Fixed Rate: Our home equity loans have a fixed interest rate and a fixed monthly payment, This means you'll know exactly how much your monthly payment will be for the entire life of the loan. In an environment of rising rates, this is especially beneficial, as the loan will not be subject to increasing rates. Our home equity loans also allow borrowers to pay back larger sums if they choose without charging a penalty for early payments.

A valuation of your home will need to be completed to learn the value of your home. There are also other fees that come with your home equity loan.

Contact a mortgage loan officer in your area or apply online today!

Rates and loan approval are dependent on credit and underwriting factors and may be subject to additional eligibility criteria. Rates, terms and conditions are subject to change without notice. Contact us for more details.

Home Equity Loan Application

Tab Title 1:

Home Equity Loans

Lender Email

Applicant Information

*Indicates Required Field

First Name *

Last Name *

Address *

City *

State *

Zip *

Date of Birth *

Month

Day

Year

Social Security Number *

Phone Number *

Email Address *

Employer *

Start Date *

Month

Day

Year

Monthly Gross Income *

Monthly Housing Expense *

Mortgage

Rent

N/A

Monthly Payment Amount *

Length of Residency at Current Address *

Less than a year

Over a year

Will there be a Co-Applicant? *

Yes

Co-Applicant Information

First Name *

Last Name *

Address *

City *

State *

Zip *

Date of Birth *

Month

Day

Year

Social Security Number *

Phone Number *

Email Address *

Employer *

Start Date *

Month

Day

Year

Monthly Gross Income *

Monthly Housing Expense *

Mortgage

Rent

N/A

Monthly Payment Amount *

Length of Residency at Current Address *

Less than a year

Over a year

Financial Services Officer

Are you currently working with a Financial Services Officer? *

Yes

Please select *

Brenda Ryan- Minot - Main

Bridget Raffin- Minot - Dakota Square

Claudie Selzler- Minot - Main

Cody Schafer- West Fargo - Eagle Run

Emily Brick- West Fargo - 9th Street

Karna Taft- Minot - Main

Laura Bryant- Stanley

Lisa Lysne- Minot - Main

Melissa Kellerman- Fargo - 32nd Avenue South

Penelope Rasmussen- Kenmare

Stacia Sanders- Fargo - 52nd Avenue South

Tony Walz- Fargo - 52nd Avenue South

Tyler Ventzke- Fargo - 25th Street South

Please select preferred lender location

Fargo - 25th Street South

Fargo - 32nd Avenue South

Fargo - 52nd Avenue South

Fargo - Sanford Medical Center

Kenmare

Minot - Dakota Square

Minot - Main

Minot - South

Stanley

West Fargo - 9th Street

West Fargo - Eagle Run

Loan Information

Type of Loan Requested *

Auto, Motorcycle, Snowmobile, ATV, etc.

RV & Boat

Home Equity

Bridge Loan

Smart Move Home Loan

Unsecured

Offer Code

Amount Applying For *

If Refinancing, what is your Current Rate?

The information in this application is true and may be relied on in evaluating this loan request. By my submitting this online form, you are authorized to check my credit and employment plus answer any questions regarding my credit experience with you. I understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federally insured Credit Unions.

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Subpage Group 2

A Home Equity Line of Credit (HELOC) uses your home as collateral and gives you a revolving credit line to use for large expenses or to consolidate higher-interest rate debt. The amount you will qualify for is calculated based on your home’s loan-to-value ratio, payment term, your income and your credit history.

Town & Country Credit Union HELOC Options

5 or 10 year draw period with monthly principal plus interest payments. (These payments reduce the principal and help rebuild equity).
5 or 10 year draw period with monthly interest only payments.

The draw period is the fixed length of time during which you can access funds from your HELOC. During the draw you will choose to make monthly interest only payments or principal plus interest payments once you advance funds.

Payments will be recalculated monthly to take into account advances and variable-interest rate changes.

After the draw period ends you won’t be able to withdraw any additional funds. You’ll make principal plus interest payments tied to the prime rate over 180 months.

Rate: HELOCs have a variable interest rate tied to the prime rate. Interest is paid only on the money that you advance.

Line of Credit Size: Borrow up to 80% of the equity in your home.

Accessing your Line of Credit: Easily transfer the funds by phone or online from your HELOC account into your checking account.

Timeline: Quicker funding time then a Home Equity Loan.

Fees: A valuation of your property will need to be completed to learn the value of your home. There are also other fees associated with this loan.

Home Equity Line of Credit Application

Tab Title 2:

Home Equity Line of Credit

Lender Email

Applicant Information

*Indicates Required Field

First Name *

Last Name *

Address *

City *

State *

Zip *

Date of Birth *

Month

Day

Year

Social Security Number *

Phone Number *

Email Address *

Employer *

Start Date *

Month

Day

Year

Monthly Gross Income *

Monthly Housing Expense *

Mortgage

Rent

N/A

Monthly Payment Amount *

Length of Residency at Current Address *

Less than a year

Over a year

Will there be a Co-Applicant? *

Yes

Co-Applicant Information

First Name *

Last Name *

Address *

City *

State *

Zip *

Date of Birth *

Month

Day

Year

Social Security Number *

Phone Number *

Email Address *

Employer *

Start Date *

Month

Day

Year

Monthly Gross Income *

Monthly Housing Expense *

Mortgage

Rent

N/A

Monthly Payment Amount *

Length of Residency at Current Address *

Less than a year

Over a year

Financial Services Officer

Are you currently working with a Financial Services Officer? *

Yes

Please select *

Brenda Ryan- Minot - Main

Bridget Raffin- Minot - Dakota Square

Claudie Selzler- Minot - Main

Cody Schafer- West Fargo - Eagle Run

Emily Brick- West Fargo - 9th Street

Karna Taft- Minot - Main

Laura Bryant- Stanley

Lisa Lysne- Minot - Main

Melissa Kellerman- Fargo - 32nd Avenue South

Penelope Rasmussen- Kenmare

Stacia Sanders- Fargo - 52nd Avenue South

Tony Walz- Fargo - 52nd Avenue South

Tyler Ventzke- Fargo - 25th Street South

Please select preferred lender location

Fargo - 25th Street South

Fargo - 32nd Avenue South

Fargo - 52nd Avenue South

Fargo - Sanford Medical Center

Kenmare

Minot - Dakota Square

Minot - Main

Minot - South

Stanley

West Fargo - 9th Street

West Fargo - Eagle Run

Loan Information

Type of Loan Requested *

Auto, Motorcycle, Snowmobile, ATV, etc.

RV & Boat

Home Equity

Bridge Loan

Smart Move Home Loan

Unsecured

Offer Code

Amount Applying For *

If Refinancing, what is your Current Rate?

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