
Home Equity Loans WA
Put the equity in your home to work (or play) for you.
Home Equity Loans WA
Put the equity in your home to work (or play) for you.
Use your equity to fix up your fixer upper, cover major expenses, or consolidate debt.
Flexible Options
Get one lump sum or borrow what you need as you need it.
Flexible Terms
Up to 15 years on a Home Equity Loan.
No Upfront Fees
No application fees, processing fees, or closing costs.
Lower Interest Rate
On average, home equity loans offer lower rates than personal loans, student loans, or credit cards.
Easy Access to Funds
Access your line of credit with your Equity credit card or an online balance transfer.
Potential Tax Savings
Interest paid on your home equity loan may be tax deductible.1

Money to fix up your fixer upper. Low-rate HELOCs.
You’re right where you’re meant to be. Make it perfect with a home equity line of credit.
GET STARTEDFind your home equity loan.
Great if you:
Great if you:
Access to Funds
Access to Funds
Rate type
Rate type
Terms
Terms
Borrowing Limits
Borrowing Limits
Fixed Home Equity Loan
Borrow one lump sum and make regular payments
Great if you:
- Know exactly how much money you need
- Want a consistent payment and rateAccess to Funds
Disbursed to an account of your choice
Rate type
Fixed
Terms
5 to 15 years
Borrowing Limits
Up to 90% of your home’s value
View rates and loan limits
Home Equity Line of Credit (HELOC)
Borrow and pay back money as you need it
Great if you:
- Don’t know how much you need
- Want flexibility in your borrowing amountAccess to Funds
- Equity credit card
- Online balance transferRate type
Variable
Terms
10 year draw period with 15 years to repay; principal and interest
Borrowing Limits
Up to 90% of your home’s value
View rates and loan limits
Express Mortgage2
Refinance your existing home with no closing costs and get on the road to a mortgage-free life
Great if you:
Have good equity in your home and really hate paying a mortgage every month
Access to Funds
Rate type
Fixed
Terms
5, 7, 10, 12, or 15 years
Borrowing Limits
Up to 75% of your home’s value
View rates and loan limits
Open your home equity loan in a few steps.
1. Apply for your loan
Submit your application online or in a branch and find out what rate you qualify for.
2. Submit documents and get an appraisal
To process the loan, we’ll need proof of income and property details. We’ll also send an appraiser out to your home.
3. Get your funds
Once approved, you can access your funds from your Sound account, via online balance transfer, or with an Equity credit card.
Express Mortgages
Refinance your existing home with no closing costs and get on the road to a mortgage-free life. If you have good equity in your home and hate paying a mortgage every month, this is for you. Available terms include 5, 7, 10, 12, or 15 years.

Discounts for Green Purchases
Receive an additional .25% off your rate when you use your home equity loan to finance qualifying energy-saving home improvements.
See what home improvements qualify »
Card Controls
Misplace your Equity card? Instantly lock your card and turn it back on using Card Controls, available in the Sound mobile app.
Learn about our mobile app »