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Home Loans & HELOCs for the life you're building.

Whether you're buying your first home, refinancing your current mortgage, or putting your home's equity to work, Arise offers flexible lending solutions designed around your goals. From mortgages and refinances to home equity loans and HELOCs, we'll help you find the right option with competitive rates, local expertise, and guidance every step of the way.

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MORTGAGE LOANS

Mortgage Loans for homebuyers, homeowners, and refinancing.

Whether you're buying your first home, moving up, refinancing, or financing a high-value property, Arise offers mortgage solutions designed to fit your goals — not force you into a one-size-fits-all loan. From fixed-rate mortgages that offer long-term stability to adjustable-rate options with lower initial payments, we'll help you find the right fit and guide you through every step of the process.

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New homeowners receiving keys

Mortgage options:

Fixed-Rate Mortgages

Lock in your rate and monthly principal-and-interest payment for the life of your loan.

  • A range of repayment terms to fit your goals
  • Available for purchases and refinances
  • Competitive rates and low closing costs

Adjustable Rate Mortgages (ARMs)

Ideal for buyers who expect to move, refinance, or want a lower initial rate.

  • 5/6, 7/6, and 10/6 ARM options
  • Rate caps help limit future increases
  • Available for purchases and refinances

Your interest rate and payments may increase after the initial fixed-rate period.

Mortgage Loan Programs

Affordable Home Loans

Helping more individuals and families achieve homeownership with flexible financing options.

Conforming Loans

Competitive mortgage financing for home purchases and refinances within standard loan limits.

Combination Loans

More flexibility, less PMI, and a smarter way to structure your home financing.

Jumbo Loans

Financing for higher-value homes with loan amounts up to $2 million.¹

HOME EQUITY LOAN

Put your home's equity to work.

You've spent years building equity in your home. Now let it help you tackle what's next. Whether you're planning a renovation, consolidating high-interest debt, covering college expenses, or managing a major life event, an Arise Financial Home Equity Loan gives you access to the value you've already built — with a fixed rate, predictable monthly payments, and no surprises.

  • Fixed interest rate and predictable payments
  • Terms designed to fit your budget
  • Borrow up to 80% combined loan-to-value (CLTV)
  • Loan amounts from $25,000 up to $500,000²
  • Receive funds in one lump sum
  • Use the money for almost any purpose
  • Available for primary residences and qualifying second homes
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KEY DETAILS
  • APR 6.375%²
  • Available terms 60, 120, 180, 240, 360 months
  • CLTV maximum 80%
  • Minimum loan amount $25,000
  • Rate type Fixed

Rates subject to change without notice. Subject to Arise underwriting approval. Property insurance required. Flood insurance may be required. Additional fees apply for properties held in trust.

HOME EQUITY LINE OF CREDIT (HELOC)

You've built an asset. Now use it on your terms.

Life doesn't happen on a fixed schedule. Your financing shouldn't have to either. A Home Equity Line of Credit (HELOC) gives you flexible access to the equity you've built in your home. Draw funds when you need them, pay down your balance, and borrow again throughout the draw period. Whether you're tackling a renovation, managing ongoing expenses, or preparing for the unexpected, a HELOC gives you access to funds when life calls for them.

      • Access funds when you need them
      • Borrow, repay, and borrow again during the draw period
      • Flexible financing for planned projects and unexpected expenses
      • Borrow from $25,000 up to $500,000³
      • Available for primary residences and qualifying second homes
      • 30-year term with a 10-year draw period followed by a 20-year repayment period
      • Rate caps and floors provide added protection
      • A $50 annual fee applies during the draw period. Early-closure reimbursement and other fees may apply. See disclosure below³ .
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KEY DETAILS
  • Current rate WSJ Prime Rate minus 0.500 percentage points
  • Rate adjustment Variable APR that adjusts monthly based on WSJ Prime Rate
  • Rate floor 3.000% APR³
  • Rate ceiling 18.00% APR³
  • Loan term 30 years (10-year draw / 20-year repayment)

Rates subject to change monthly. Subject to Arise underwriting approval. Property insurance required.

More ways to finance your home.

Specialized mortgage programs designed to help more buyers, more budgets, and more homeownership goals.

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Your Next Step Starts Here

Whether you're buying a home, refinancing, or putting your home's equity to work, we've made the process straightforward from start to finish.

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Step 01

Connect With an Expert

Talk with one of our lending specialists about your goals, timeline, and financing needs. We'll answer your questions and help you understand your options.

Step 02

Find the Right Solution

From mortgages and refinancing to Home Equity Loans and HELOCs, we'll help you compare products and choose the option that fits your situation.

Step 03

Apply Online & Get Moving

Complete your application online, securely upload documents, track your progress, and take the next step with confidence.

Your Home Loan and LOC Questions, Answered.

The ones we hear most. Answered plainly, without the fine print.

What's the difference between a fixed-rate mortgage and an adjustable-rate mortgage (ARM)?
A fixed-rate mortgage keeps the same interest rate for the life of the loan. An adjustable-rate mortgage (ARM) starts with a fixed rate for a set period and then adjusts based on market conditions. Fixed-rate mortgages offer payment stability and predictability. ARMs may offer a lower initial rate and can be a good option for borrowers who plan to move or refinance before the adjustment period begins.
What's the difference between a Home Equity Loan and a HELOC?
A Home Equity Loan provides a one-time lump sum with a fixed interest rate and fixed monthly payments. A HELOC (Home Equity Line of Credit) provides a revolving line of credit that you can draw from as needed. Home Equity Loans are often used for large, one-time expenses. HELOCs are commonly used for ongoing projects or expenses that occur over time.
How much can I borrow with a Home Equity Loan or HELOC?
The amount you can borrow depends on your available home equity, income, credit profile, and other qualifying factors.
How much equity do I need to qualify for a Home Equity Loan or HELOC?
Most borrowers need sufficient equity to remain within the maximum combined loan-to-value (CLTV) guidelines after the new loan or line of credit is added. Our lending team can help determine how much equity is available based on your home's value and existing mortgage balance.
Can I refinance my mortgage?
Yes. Mortgage refinancing allows you to replace your current mortgage with a new loan. Homeowners refinance for many reasons, including lowering their interest rate, changing their loan term, switching loan types, or accessing home equity.
What are mortgage closing costs?
Mortgage closing costs are fees associated with completing a home purchase or refinance transaction. These costs can include appraisal fees, title services, recording fees, and other third-party charges. You'll receive a detailed estimate before closing so you know what to expect.
What's the difference between a conforming loan and a jumbo loan?
A conforming loan meets lending guidelines established by Fannie Mae and Freddie Mac. A jumbo loan exceeds those limits and is designed for larger loan amounts. Both options may be available depending on your financing needs and qualifications.
How much do I need for a down payment?
Down payment requirements vary by loan program and borrower qualifications. Some mortgage programs require less than 20% down, while others may require a larger down payment. Our team can help you explore the options available to you.
How long does the mortgage process take?
Most mortgage applications move from application to closing within several weeks, although timelines vary based on the loan type, property, and documentation required. We'll keep you informed throughout the process and let you know what's needed at each step.
How do I get started?
You can apply online, call us, or visit a branch to speak with a Home Loan Specialist. We'll help you compare your options, answer your questions, and guide you through the next steps.

Terms & Conditions

¹ Jumbo Loans: Loan amounts up to $2 million are subject to credit approval, Arise Financial underwriting standards, property eligibility and loan-to-value requirements. Membership eligibility applies. Contact us for current rates, terms and eligibility requirements. 

² Home Equity Loans: APR = Annual Percentage Rate. Rates Effective as of November 2, 2026. The 6.375% APR shown is for a first-lien Home Equity Loan with a 60-month term. At this rate, you would make 60 monthly principal and interest payments of approximately $19.51 per $1,000 borrowed. Payments do not include taxes and insurance; your actual payment may be greater. Rates vary by term and lien position and are subject to change without notice.

Membership eligibility applies. All loans are subject to credit approval and Arise Financial underwriting standards. The minimum loan amount is $25,000. Maximum loan amounts and combined loan-to-value (CLTV) limits are:

  • $500,000 for a one-unit primary residence, up to 80% CLTV.
  • $250,000 for a two-unit primary residence, up to 80% CLTV.
  • $250,000 for a three- or four-unit primary residence, up to 75% CLTV.
  • $250,000 for a one-unit second home, up to 80% CLTV.

Property insurance is required. Flood insurance may be required. An additional $355 fee applies to properties held in a trust. Properties listed for sale or intended to be sold within the next six months are not eligible. Contact us for current rates and terms.

³ Home Equity Lines of Credit (HELOCs): APR = Annual Percentage Rate. Rates Effective as of November 2, 2026. The APR is variable and adjusts monthly based on the Wall Street Journal Prime Rate minus 0.500 percentage points. The minimum APR is 3.000% and the maximum APR is 18.00%. The loan term is 30 years, consisting of a 10-year draw period followed by a 20-year repayment period.

Membership eligibility applies. Subject to credit approval and Arise Financial underwriting standards. The minimum credit limit is $25,000. Maximum credit limits and combined loan-to-value (CLTV) limits are:

  • $250,000 for a one- or two-unit primary residence, up to 80% CLTV.
  • $500,000 for a one-unit primary residence, up to 75% CLTV.
  • $250,000 for a three- or four-unit primary residence, up to 75% CLTV.
  • $250,000 for a one-unit second home, up to 80% CLTV.

A $50 annual fee applies during the draw period. If the line is closed within 36 months of closing, you must reimburse Arise Financial for third-party closing fees, currently ranging from $475.03 to $952.06. An additional $355 fee applies to properties held in a trust. Property insurance is required. Flood insurance may be required. Properties listed for sale or intended to be sold within the next six months are not eligible. Contact us for current rates and terms.

Arise Federal Credit Union does business as Arise Financial.

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