Your home’s equity can help you pay for:
- Home improvement projects
- Consolidating debt
- College tuition
- Taking your dream vacation
- Making that big purchase
- Building wealth
- Anything you’d like!
Questions? Talk to us — no obligation, no pressure!
How can a home equity loan help you? Watch this video to learn more.
Your Home. Your Equity. Your Possibilities.
Your home’s equity is more than just value—it’s opportunity. We offer two smart financing solutions that can help you unlock your big dream. Choose the option that best fits your needs and unlock the possibilities.
Home Equity Loan
Our NEW Home Equity Loan gives you a lump sum with a fixed rate and predictable payments—perfect for planned projects or big purchases!
Our Home Equity Loan features:
- You choose the loan term that suits your needs.
- Fixed-rates make budgeting easy with predictable payments.
- Quick application and funding process from our lending team!
Home Equity Loan rates as low as
8.859% APR
Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) offers flexibility like a credit card without the sky-high interest rates. Borrow against your home’s equity, with access to funds up to your approved limit.
Out HELOC features:
- Flexibility to borrow only the amount you need when you need it.
- Interest-only payments on the amount you borrow during the draw period.
- The option to lock in part of your loan with fixed monthly payments.
HELOC intro rate as low as
5.49% APR1
for 12 months
As low as
8.25% APR1
after intro period
Reviews from Homeowners Like You
"Patrick was helpful with answering any questions and handled things quickly. I felt comfortable addressing any concerns we had with him and couldn’t be happier with the outcome."
-Brittainy M.
"Patrick was very detailed in explaining all aspects of the HELOC loan to me. He answered all my questions and made sure I understood everything about this loan."
-Linda H.
"Patrick was very helpful at helping me figure out the type of loan that would work best for me. Easy to communicate with and responds in a timely manner."
-Scott S.
Want to learn about your options?
Let's talk — no-obligation, no pressure! Fill out this form, and we will be in contact with you soon.
Patrick Denney
Consumer Loan Advisor
1Introductory APR of 5.49% is fixed for 12 months following account opening date. Introductory rate is only offered to Kansas and Missouri residents. After the introductory period, the APR will vary for the remaining life of the loan based on the combined loan-to-value (CLTV), which as of 12/19/2024, ranged from 8.25% to 9.50%. Rate offer of 8.25% is based upon a CLTV of 70% or less. The APR will not exceed 15%. There is a minimum loan amount of $10,000 and a maximum CLTV of 90%. Subject to credit approval. Rates are subject to change without notice. Fees range between $200 and $2,000. Introductory Annual Percentage Rate (APR) of 5.49% available on new lines of credit only; introductory rate offer not available for refinances of existing First Federal Bank of Kansas City Home Equity Lines of Credit. Home equity loans or second mortgages, must be secured by owner-occupied residence.
*All loans subject to credit approval. Rates and terms may vary.