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Home Equity

Cover a variety of one-time or recurring expenses:

  • Home improvements
  • Debt reduction
  • Tuition payments
  • Hospital bills
  • And more!

Are you ready for financial relief?


Open a Home Equity Line of Credit for your primary residence and we'll waive any necessary appraisal fees!** That saves you an estimated $600, right from the start. 

This offer is subject to change at any time, so don't wait! Apply now!

Freedom from financial stress is closer than you think. Tap into the value of your home to finance a wide variety of needs. Use a lump-sum loan to pay for one-time expenses or open a Masterline Home Equity Line of Credit (HELOC) to cover recurring costs. Our friendly lending experts will help you find the best solution for your unique situation.

Fixed Home Equity Loan Features
  • Competitively low, fixed-interest rates
  • Use the value of your home to secure funds
  • Funds available for practically any purpose, including:
    • Home improvement
    • Debt elimination
    • Tuition payments and more!
Fixed Home Equity Loan Management
  • Choose a 5-,10- or 15-year term
  • No annual fees
  • Local Seattle home equity loan decisions
  • Trusted personal service
  • Make a loan payment online
  • Plus, home equity lines of credit (HELOC) also available!

See Rates

Put your money where it matters most with a home equity line of credit. Our Masterline HELOC features fixed rate options, giving you the flexibility to lock in a portion of your balance at a fixed rate.* Cover nearly every kind of recurring cost, from medical bills to college tuition, and pay interest ONLY on what you spend. Save money and time by cutting out paperwork — apply once and access your entire credit limit up to 10 years! 

Masterline HELOC Features

  • Competitively low, variable interest rates
  • Have up to 3 active fixed-rate advances at any time
  • Credit lines range from $20,000 to $500,000
  • Credit limit as high as 80% of your primary home's equity (limit of 60% for investment/rental properties)

Masterline HELOC Management

  • Borrow purchase-by-purchase up to your credit limit, with the option to rate-lock portions of your balance when you want.
  • Access your line of credit for up to 10 years without re-applying
  • Local Seattle home equity line of credit decisions
  • Trusted personal service

Keep your family’s finances safe despite unforeseen circumstances. Add EquitySafe Debt Protection to an open-ended home equity line of credit (HELOC). Find relief in the face of accidental death, disability or involuntary unemployment.

Contact us at (800) 444-4589 for details on cost, benefits, terms and conditions and eligibility requirements.

EquitySafe Debt Protection is provided by Minnesota Life Insurance Company.

*APR = Annual Percentage Rate. The APR and financing is based on your creditworthiness, occupancy and property loan-to-value. Rates current as of 6/1/20 and are subject to change at any time. Masterline Home Equity Line of Credit index is the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the first day of each month. The APR on Masterline Home Equity Lines of Credit are variable and may be subject to change during the term of the loan; the lowest possible APR during the life of the loan (“the floor”) is 4.00% APR and the highest possible APR (“the ceiling”) is 15.00%. Verity Masterline HELOCs incur a reconveyance fee at pay-off. Member pays appraisal costs if an appraisal is needed; standard cost is $680 or more depending on property. Available for qualified borrowers only. Verity pays closing costs (excluding appraisal cost) on owner occupied properties. Members pay all closing costs on investment properties; limit of 2 investment properties with home equity loans per member. Masterline HELOC early closure fee: if your account is paid in full and closed within 24 months of opening, you will be charged the lesser of $350 or 2% of the initial credit limit.

Home Equity Line of Credit Account Fixed Rate Advances provide for up to 15 years of monthly principal and interest payments, depending on the amount advanced. Fixed Rate Advances are subaccounts of a Home Equity Line of Credit (HELOC).

**Special offer available only for owner-occupied primary residences. Member pays all closing costs, including appraisal, on investment or rental properties; limit 2 investment properties with home equity loans per member.