Home Equity
Home repairs should come from savings, but when a leaky roof or a broken A/C just can’t wait, we have smart lending solutions for you. Unlock your home’s potential without locking yourself into long-term debt.
Real Needs. Real Solutions.
A Home Equity Loan isn’t a shortcut to luxury upgrades or impulse projects. It’s a smart, purposeful tool to help you tackle what matters most.
Necessary Home Repairs
Urgent Medical Expenses
Essential Education Costs
Home Equity Solutions
Home Equity solutions are currently available to members in Florida and Georgia, with three purposeful ways to borrow and repay with confidence.
For big, one-time expenses you can't put off — like a major home repair. A fixed-rate home equity loan gives you a lump sum and a clear payoff plan. Get the job and focus on paying it off quickly.
Flexible — but only if you’re focused. Use it for short-term needs, pay it off fast, and avoid piling on interest. With FAIRWINDS, you borrow with a plan, not a balance that lingers.
For smaller upgrades that make a big difference. Cover essential projects like roof fixes or budget-friendly updates. Borrow smart, pay it off fast, and keep your home working for you.
Smart Borrowing Starts Here
A Home Equity Loan isn’t right for everyone, and that’s okay. Consider your financial situation carefully before borrowing — home equity should support your goals, not create new debt. The key is knowing when it’s the right tool for you.
Who It's For
Homeowners with equity and a clear payoff plan
People tackling urgent repairs or essential upgrades
Those funding education or starting a business with a budget
Anyone committed to paying it off fast
Who It’s Not For
Big remodels or impulse projects without a plan
Borrowing without a clear path to repay
If you’re already stretched thin with debt
Using equity like it’s free money
Borrow smart. Pay it off faster.
We want you to pay us as little interest as possible. That’s why we created tools to help you pay down your home equity loan faster.
Freedom Payments
Make extra principal balance payments anytime or schedule ahead.
Zero Credit Borrowing
We believe in people, not just numbers. Qualify for a house based on your history of managing money.
Biweekly Payments
Choose biweekly payments to reduce interest and pay faster.
Ready to Take the Next Step?
Let’s talk about whether a Home Equity Loan is the right fit for your goals. We’ll help you borrow with purpose and pay it off with a plan.