Home Equity Loans

Get the financial flexibility you need to renovate your home, consolidate debt, or reach other financial goals!

Home Equity Loans

Get the financial flexibility you need to renovate your home, consolidate debt, or reach other financial goals!

Borrow up to 80% of your home’s combined loan-to-value2

Generous loan amounts.

Open the door to new possibilities with a HOPE Home Equity Loan.

Our lending team is ready to make it happen with low rates, flexible terms.

Tap into your home’s value to get the cash you need to improve your life, no matter the need. Whether taking on a home improvement project, consolidating debt, or covering any other significant expense, Hope Credit Union can help you get the funds you need – regardless of your income or credit score.
Speak with our lending team.

Complete the form to request an appointment or more information.

Benefits of HOPE’s Home Equity Loans

Benefits of HOPE’s Home Equity Loans

Borrow up to 80% of your home’s combined loan-to-value2

Qualified borrowers are eligible to access up 80% of their home’s combined loan-to-value.

Ways to Get Started

Brighter futures begin with HOPE® – We make it easy to start yours.

1

Call us

Our friendly and knowledgeable team is ready to answer your questions and assist you with your application either by visiting a branch or calling.

2

Request more information

See how HOPE’s home equity loans can help you reach personal and financial goals.

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1

Contact Our Lending Team

Our friendly and knowledgeable team is ready to answer your questions and assist you with your application either by visiting a branch or calling.

2

Request More Information

See how HOPE’s home equity loans can help you reach personal and financial goals.

Brighter Futures Begin with Hope®

Brighter Futures
Begin with Hope®

Why Choose HOPE for Your Home Equity Loan?

Hope Icons-01-Money

Flexible lending solutions

There’s more to you than your credit score. We offer tailored loan solutions for those with limited income and credit, including options for those with scores of 580 and better.

Hope Icons-03-Graph

Competitive rates

Don’t let other lenders pull the rug out from under you. Pay less at HOPE with competitively low rates and fixed, predictable payments for the life of your loan.

Hope Icons-02-Rates

Affordable terms

We’ll never let you finance a loan that doesn’t fit your budget – and our flexible, responsibly structured loan terms make that possible.

Hope Icons-04-Calculator

Expert guidance and support

Don’t stress about applying for a home loan. Our professional team makes it easy and guides you every step of the way.

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Next slide
Hope Icons-01-Money

Flexible lending solutions

There’s more to you than your credit score. We offer tailored loan solutions for those with limited income and credit, including options for those with scores of 580 and better.

Hope Icons-02-Rates

Competitive rates

Don’t let other lenders pull the rug out from under you. Pay less at HOPE with competitively low rates and fixed, predictable payments for the life of your loan.

Hope Icons-03-Graph

Affordable terms

We’ll never let you finance a loan that doesn’t fit your budget – and our flexible, responsibly structured loan terms make that possible.

Hope Icons-04-Calculator

Expert guidance and support

Don’t stress about applying for a home loan. Our professional team makes it easy and guides you every step of the way.

Member Success Stories

Discover how our members have used their home’s equity to improve their financial situations and achieve their goals.

Frequently Asked Questions

You can start your application by calling our loan specialists or visiting any branch.

When applying for a home equity loan, you will need:

  • Tax returns and W-2s
  • Current paystubs to show proof of income
  • Identification, like a driver’s license or passport
  • Your social security or tax identification number

You’ll also need to provide details about your current mortgage and property, like when it was built and its appraised value.

With Hope Credit Union, you’ll find a partner ready to guide you through the application process every step of the way. Our lending professionals help members like you with daily applications to make your goals a reality.

Once your loan application and all related documents are submitted to HOPE’s lending team, you’ll receive a follow up by a HOPE team member within 3 days.

Your first payment is due 30 to 45 days after you receive your loan. The due date is on your closing documents and monthly statement.

At Hope Credit Union, we believe in equal access to economic opportunities and seek to provide financial assistance whenever possible. We don’t count medical collections against you, and we can look at nontraditional if your history is limited. Contact us to discuss your financial situation and how we can help.

Paying your loan is easy and convenient. You can use our free electronic banking options to pay online, on mobile devices, or by phone.

Find a Hope Credit Union Branch Near You

Arba Street Branch

400 Arba Street
Montgomery, AL 36104
P: 334-834-7483
F: 334-834-2803

McGehee Road Branch

3421 McGehee Road
Montgomery, AL 36111
P: 334-604-4110
F: 334-604-4111

College Station Branch

4000 Gray Street, Suite B
College Station, AR 72053
P: 501-490-0646
F: 501-490-0424

Little Rock Branch

8411 I-30
Little Rock, AR 72209
P: 501-562-1060
F: 501-562-1027

West Memphis Branch

1114 Missouri Street
West Memphis, AR 72301
P: 870-735-8398
F: 870-732-5447

Little Rock Mortgage Office

6917 Geyer Springs Road,
Suite #6N
Little Rock, AR 72209
P: 501-400-6784

Central City Branch

1726 O. C. Haley Blvd.
New Orleans, LA 70113
P: 504-527-0688
F: 504-527-0691

Elysian Fields Branch

1635 Elysian Fields Avenue
New Orleans, LA 70117
P: 504-635-4475

Mississippi Coast Branch

188 Porter Avenue
Biloxi, MS 39530
P: 228-374-1554
F: 228-374-3387

Drew Branch

140 West Shaw Avenue
Drew, MS 38737
P: 662-745-0406

Greenville Branch

546 MLK Boulevard North
Greenville, MS 38701
P: 662-378-5744

Itta Bena Branch

120 Humphrey Street
Itta Bena, MS 38941
P: 662-254-0040
F: 662-254-0054

Medical Mall Branch

350 Woodrow Wilson, Suite 370B
Jackson, MS 39213
P: 601-362-8050
F: 601-713-0975

University Boulevard Branch

1748 University Boulevard
Jackson, MS 39204
P: 601-965-7100
F: 601-961-6780

Louisville Branch

16620 Main Street
Louisville, MS 39339
P: 662-773-3550
F: 662-773-3614

Moorhead Branch

917 West Delta Avenue
Moorhead, MS 38761
P: 662-246-8855
F: 662-246-8005

Shaw Branch

134 East Peeler Avenue
Shaw, MS 38773
P: 662-754-2070

Terry, MS Branch

109 West Cunningham Street
Terry, MS 39170
P: 601-878-0773
F: 601-878-9468

Utica Branch

106 East Main Street
Utica, MS 39175
P: 601-991-3336
F: 601-885-2137

West Point Branch

470 Commerce Street
West Point, MS 39773-7993
P: 662-494-7473
F: 662-494-6886

Crosstown Branch

1350 Concourse Avenue, Suite 115
Memphis, TN 38104
P: 901-354-7500
F: 901-354-7501

Harvester Lane Branch

3048 Harvester Lane
Memphis, TN 38127
P: 901-358-4496
F: 901-358-4518

Madison Avenue Branch

1451 Madison Avenue
Memphis, TN 38104
P: 901-721-8124
F: 901-721-8133

Ridgeway Branch

2923 Ridgeway Road
Memphis, TN 38115
P: 901-795-8980
F: 901-794-1872

Complete the form to request an appointment or more information.

Disclaimers

1 Loans subject to credit approval.

2 Up to 80% of your home’s combined loan-to-value, available on residences for which HOPE is the primary lienholder. LTV limits are less for residences for which HOPE is not the primary lienholder. Maximum LTV varies based on credit history.

3 Wireless carrier data and message rates may apply.