Home Loans
Live Somewhere That Inspires You
Buy a house you love or improve your current home.
DISCOVER OPTIONSHOME LOAN
Buy or refinance your home with Elevate. We have FHA, VA and Conventional Loans.
AS LOW AS
5.75 (6.24) % APR*
THINK POSSIBILITIESHELOC
Use the value in your home for a Home Equity Line of Credit.
AS LOW AS
4.50 % APR*
LET'S TALKHome Improvement
Your space matters. Make it better with a Home Improvement loan.
AS LOW AS
9.99 % APR*
Why Elevate
More Than A Home
We know a house is a home, but it’s also so much more… It’s the launchpad where you wake up and start your day, the cozy hideout where you relax and unwind, and the relationship hub where friends and family come together. We have financing options for whatever you need, whether you are a first-time homebuyer, purchasing your dream home, refinancing, or opening a Home Equity Line of Credit. Meet our mortgage team and start discussing all your options today!
- A wide variety of rates and terms
- Unbeatable Service
- Choices, including FHA, Conventional, and VA options
Special
HELOC Super Sale
Imagine what you could do with the money from the equity in your home! You could do those upgrades you've been dreaming of, remodel, have extra money for an upcoming wedding, take that dream vacation, redo your landscaping, update your appliances, or even pay off debt.
4.50% APR* 6-Month Intro Rate
Talk Houses With Smart Friends
Get a little help from our experienced mortgage loan specialists. We’d love to schedule a meeting to talk about buying, refinancing or improvement loans.
| LOAN TYPE | LTV | Rate Type | 6 MONTH INTRO RATE | APR* AS LOW AS |
|---|---|---|---|---|
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Home Equity Line of Credit (HELOC)
Introductory rate of 4.50% Annual Percentage Rate (APR) fixed for 180 days after account opening. After the introductory period, the APR on outstanding balance will revert to a variable rate based on the Wall Street Journal Prime Rate plus the margin stated in your original home equity line of credit agreement. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18% and a minimum variable APR of 4%. As of May 1, 2025, Prime Rate is 7.50% APR. APRs for home equity lines of credit are based on the prime rate plus a margin, and are determined by your credit score and loan to value of the subject property. Fees may apply if closed within 36 months. Property insurance is required. Subject to credit approval.
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Up to 50% | Variable | 4.50% | 7.50% |
|
Home Equity Line of Credit (HELOC)
Introductory rate of 4.50% Annual Percentage Rate (APR) fixed for 180 days after account opening. After the introductory period, the APR on outstanding balance will revert to a variable rate based on the Wall Street Journal Prime Rate plus the margin stated in your original home equity line of credit agreement. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18% and a minimum variable APR of 4%. As of May 1, 2025, Prime Rate is 7.50% APR. APRs for home equity lines of credit are based on the prime rate plus a margin, and are determined by your credit score and loan to value of the subject property. Fees may apply if closed within 36 months. Property insurance is required. Subject to credit approval.
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Up to 51%-80% | Variable | 4.50% | 7.75% |
|
Home Equity Line of Credit (HELOC)
APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate plus a margin of 3.25%. As of December 18, 2024, Prime Rate is 7.50%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) between 81% and 100% of the subject property are based on the Prime Rate plus a margin and your credit score. Property insurance is required. Fees may apply if closed within 36 months.
|
Up to 81%-100% | Variable | N/A | 10.75% |
*TERMS & CONDITIONS: APR=annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details. | Equal Housing Lender | NMLS# 641663 | Membership eligibility required | Consult your tax advisor for more information regarding the tax-deductible benefits of a home equity line of credit.
| LOAN TYPE | LTV | RATE TYPE | Rate | APR* AS LOW AS |
|---|---|---|---|---|
|
5-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 5-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 5.75% interest rate, the APR for this loan type is 6.24%. The monthly payment would be $2882.52 60 payments of $2882.52 at an interest rate of 5.75%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
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Up to 80% | Fixed | 5.75% | 6.24% |
|
10-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.25% interest rate, the APR for this loan type is 6.40%. The monthly payment would be $1684.20 120 payments of $1684.20 at an interest rate of 6.25%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
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Up to 80% | Fixed | 6.25% | 6.40% |
|
15-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.99% interest rate, the APR for this loan type is 7.09%. The monthly payment would be $1347.50 180 payments of $1347.50 at an interest rate of 6.99%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
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Up to 80% | Fixed | 6.99% | 7.09% |
|
20-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 20-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.99% interest rate, the APR for this loan type is 7.09%. The monthly payment would be $1162.05 119 payments of $1162.05 at an interest rate of 6.99%. The final payment was approximately $101,289.05 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
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Up to 80% | Fixed w/10-Year Call | 6.99% | 7.09% |
|
30-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 30-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.99% interest rate, the APR for this loan type is 7.08%. The monthly payment would be $996.95 119 payments of $996.95 at an interest rate of 6.99%. The final payment was approximately $129,684.65 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 80% | Fixed w/10-Year Call | 6.99% | 7.08% |
|
No Fee 10-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.25% interest rate, the APR for this loan type is 7.25%. The monthly payment would be $1,761.02 120 payments of $1,761.02 at an interest rate of 7.25%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 65% | Fixed | 7.25% | 7.25% |
|
No Fee 15-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,411.05 180 payments of $1,411.05 at an interest rate of 7.74%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
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Up to 65% | Fixed | 7.74% | 7.74% |
|
No Fee 20-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 20-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,230.50. 119 payments of $1,230.50 at an interest rate of 7.74%. The final payment was approximately $103,807.37 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 65% | Fixed w/10-Year Call | 7.74% | 7.74% |
|
No Fee 30-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 30-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,073.58 119 payments of $1,073.58 at an interest rate of 7.74%. With a final payment of approximately $131,945.70 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 65% | Fixed w/10-Year Call | 7.74% | 7.74% |
|
10-Year 2nd Mortgage
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property with a loan amount of $75,000.00 and an estimated property value of $300,000.00 with a combined LTV of 80% or less. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.25% interest rate, the APR for this loan type is 7.44%. The monthly payment would be $880.51 120 payments of $880.51 at an interest rate of 7.25%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 80% | Fixed | 7.25% | 7.44% |
*TERMS & CONDITIONS: APR=annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details. | Equal Housing Lender | NMLS# 641663 | Membership eligibility required | Consult your tax advisor for more information regarding the tax-deductible benefits of a mortgage loan.
What kind of things can I do with a Home Improvement Loan? How much can I borrow?
Home Improvement Loans can cover almost any kind of repair or improvement, including traditional repairs, energy-efficient appliances, solar heating, and even landscaping. You can borrow up to $7500 with this loan.
What is the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)? Does Elevate offer both
Both loans let you use your home's value to borrow money. With a Home Equity Loan, you'll get all the cash you borrow right away, just like most other loans. A Line of Credit, on the other hand, approves you for a certain amount and then lets you borrow from it as needed. With this option, you'll only pay interest on what you actually borrow. It's a great choice if you are working on an ongoing project. At Elevate, we offer both types of loans, so you can pick what's best for you.
Katie was great to work with and made it very easy for us. She was always very prompt at answering our questions and made us feel like we were the only ones she was helping. We will never go anywhere else for our loans in the future.
Jeff & NatalieMember Since 2002
Our experience during our HELOC Loan process was nothing short of fantastic. Melissa was a pleasure to work with; her professionalism was second to none. My wife and I are both pleased with our experience. Thanks again, Melissa, for your help with this.
Phil A.Member Since 2021
We recently bought our first home and Melissa made the mortgage process so easy. Not to mention we were in our new home much sooner than we expected. Thank you Elevate Credit Union!
TiffanyMember Since 2007
We believe you won’t find another credit union with such knowledgeable and friendly staff. These folks take great care of us.
Scott & SandyMembers since 2018
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