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Refinance your home with a maximum of $500 in closing costs.+
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You've done a lot for your home. Now let your home do something for you. Maximize the equity in your home or vacation property with a home equity loan from SPIRE. Funds can be used for anything - home improvements, debt consolidation, medical bills, or that trip of a lifetime!
Not sure how much you need or when you’ll need it? A home equity line of credit is revolving and works similar to a credit card. Get the funds when you need them and pay interest only on the balance. Use the funds to remodel your house, build a deck, pay off debt, go on a dream vacation, or anything else your heart desires!
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*APR = Annual Percentage Rate. Rates disclosed include a .25% discount for automatic payment. Principal & interest payment based on loan amount of $50,000. Maximum loan amount for a fixed rate loan is $250,000 and a Home Equity Line of Credit (HELOC) is for 10-year draw is $100,000. Minimum loan amount is $10,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $500.00. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
Get approved, find an agent, and close with confidence.
Find out how much your payments will be each month.
Start preparing today! Gather the following required items for your home equity loan application:
NMLS Active Numbers
Interest may be tax deductible. See your tax advisor for complete details. Property must be located in the State of Minnesota or Wisconsin. Property insurance is required.
Apply for a home equity loan online now!
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888.34.SPIRE or 651.215.3500
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Apply for a loan in person at your local SPIRE branch.