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HELOC or Fixed Second Mortgage?

Two Different Ways to Use Home Equity, One Trusted Partner.
Apply once. Review both options. Work directly with a dedicated local mortgage loan officer at The District Credit Union.

Start Your Application

Compare Your Home Equity Options

Your home equity, your choice. Explore our competitive rates and flexible terms to decide how you want to put your home's value to work for you

HELOC

VARIABLE RATE TIED TO

7.00%

Prime Rate*

Draw funds when needed
similar to a credit card

Pay interest only on what you use

Second Mortgage

LUMP SUM AT CLOSING

6.00%

Fixed Rate, up to 20 year term*

Consistent monthly payments

Clear payoff timeline

Rates and terms subject to credit approval. HELOC rates are variable and based on the Prime Rate.Fixed promotional rate of 6.00% applies to qualifying second mortgage home equity loans. Property insurance required. Membership eligibility required.Additional terms may apply.

How the Process Works

Submit a quick online application

Share your financial goals

Review both loan options with your mortgage loan officer

Move forward with the option that fits your needs

Funds may be available in 14 days or less, depending on approval and documentation.

Dedicated Mortgage Guidance

30 Years of Experience.
One Point of Contact.

You’ll work directly with a dedicated mortgage loan officer who brings over 30 years of experience helping members with home equity, second mortgages, and long-term home financing decisions.

From your first application to future mortgage needs, you’ll have clear guidance, realistic timelines, and ongoing support without being passed to a call center.

Why this matters:

  • One-on-one guidance from start to finish
  • Deep experience with equity and mortgage solutions
  • Support that extends beyond closing
Schedule a Call
Email Your Mortgage Loan Officer
View Current Rates

One Loan Officer
Every Home Decision.

From home equity to future mortgage needs, you’ll work with someone who understands your goals and stays with you beyond closing.

Get Started Online
Rates and terms subject to credit approval. HELOC rates are variable and based on the Prime Rate. Fixed promotional rate of 6.00% applies to qualifying second mortgage home equity loans. Property insurance required. Membership eligibility required. Additional terms may apply.
ATTENTION:

Stay Alert to Scams

We will never ask for your PIN, password, debit card number, or one-time verification codes by phone or text.

If you receive a suspicious call or message, do not respond. Contact us directly at

303-360-0987.

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