Home Loans

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Whether you are looking to purchase a new home, refinance your current mortgage, or access the equity in your home, Quest offers fair rates and a variety of options. 

Home Loans and Refinances

For more information or to get started today, fill out an online application or contact Andy Homewood, Mortgage Loan Officer, at 785-233-5556 or 1-800-432-2470.

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Home Free Loans

You could shorten your loan term. You could save thousands.

Quest’s Home Free Loan is ideal for anyone who wants to pay off their home within the next 10 years. Designed to help you pay less over the life of the loan, it features a low rate for your choice of term: 10 years, seven years, five years...whatever works for you!

To ensure that you are saving more and paying less for your home loan, contact Andy Homewood to request a no-cost, no-obligation consultation at 800.432.2470 or andyh@quest-cu.org.

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Home Equity Loans

A home equity loan is a powerful tool for homeowners. It allows you to borrow money against the equity in your home which can be used for any project or purchase: repairs or upgrades, college tuition, or to pay off high-interest debt. Often, the interest rates on home equity loans are lower than credit cards, which makes it easier on your bottom line.

The amount of a home equity loan is based on how much equity – the difference between the value of the home and how much is owed on the mortgage(s) – the homeowner has, and current credit qualifications. The longer a mortgage is paid down and the more a home appreciates in value, the more equity is built which can equate to a larger loan amount.

Quest offers competitive, fixed-rate home equity loans as well as open-end, variable-rate lines of credit (HELOC**) that are available for use when you need it. In addition to low interest rates, the interest may be tax deductible.+ Consult your tax advisor for details. 

Home Equity Loan

A home equity loan is often referred to as a second mortgage. It is a one-time lump-sum loan with a fixed rate that is secured against the value of the property, just like a traditional mortgage. 

Home Equity Line of Credit (HELOC)

A HELOC is a line of revolving credit with a variable rate that can be accessed as needed. 

  • Competitive, variable rates
  • No origination fee
  • Loan amounts based on home value, equity built
  • Easily accessible and reuseable credit
  • Interest charged only on amount utilized
  • Easy online applications

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More Information

Our experienced lending staff knows mortgages and home equity loans, so let’s get started!

 Click here to visit Quest's Home Loan site

 

*Annual Percentage Rate (APR), terms and conditions dependent on credit qualifications and approval, and subject to change without notice. **HELOC terms: 60 month draw. Monthly APR is fully indexed, variable rate based on Prime Rate (obtained from Wall Street Journal) plus or minus a margin based on loan-to-value ratio. Maximum APR that can apply: 18.00%. Minimum line of credit amount: $10,000. Minimum advance: $100. If appraisal required, additional charges may apply. May be subject to closing costs including origination fee, and may vary. +Interest on the portion of credit extension that is greater than fair market value of dwelling is not deductible for Federal income tax purposes. Consult a tax advisor for information regarding deductibility of interest and charges. Adequate property and flood insurance may be required. Credit union membership required. Other restrictions may apply. Visit our Rates page for additional rate information.