Home Loans at PCCU

Purchasing or Refinancing a Home?

Buying or refinancing a home can be a confusing and drawn out affair, but it doesn’t have to be. I’m Amy Clark and I’m here to help you! I will be your guide through the home loan process, answering your questions and providing you with helpful advice every step of the way. Email or call me with your questions today at 765-960-8618.

The “Perfect” Kind of Home Loan

At PCCU we offer many types of loans to fit your individual needs:

Free Financial Education

Are you interested in home ownership but not sure you’re ready yet? We offer free financial education to help you prepare for home ownership, and many other financial goals like paying down debt, going to college, and saving for retirement. Powered by Banzai, it’s a great resource to help you get ahead! You can also visit our Home Loan Article Library.

a house in the palm of a handCalculator

Need to figure out what your payment might look like? Check out this great calculator.

Great Rates

We also offer competitive rates on all of home loans. Click here to check out today’s rates.

Ready to Apply?

I can walk you through the application, email or call me at 765-960-8618 to make an appointment. Or click below to apply online today!

Apply Today

Home Equity Loans

Lisa Cowgill Home Equity Loan Expert lcowgill@pccu.com NMLS# 1068812The equity in your home can be a powerful financial tool.  Whether you are making home improvements, going on vacation, paying for college or whatever your financial need might be, a home equity loan is a great choice.  I’m Lisa Cowgill and I can help you decide if a home equity loan from PCCU is right for you! Home equity loans have lower interest rates than many other loans and the interest may be tax deductible!  PCCU offers competitive interest rates and home equity options available to meet your particular need. Email or call me at 765-489-4572 ext. 245.

Fixed Home Equity Loans

  • 10 and 15 year fixed terms to set a payment that best suits your budget
  • Competitive market rate that is fixed at closing; based on equity in your home
  • Finance up to 95% of the value an Owner Occupied home
  • Finance up to 75% of the value of an investment property.

Home Equity Line of Credit Loans

  • 10 year draw period, followed by a 20 year repayment period
  • Interest Only payments during draw period
  • Variable Interest Rates
  • Minimum Line is $10,000, Maximum is $50,000
  • Access with a Visa HELOC Credit Card

To Apply for a Home Equity Loan, contact Lisa Cowgill (NMLS# 1068812) by email at lcowgill@pccu.com or call her at 765-489-4572, ext. 245.

Home Equity Closed-End Fixed Rates

Tier A+Tier ATier BTier CTier D
Primary borrower credit score730+729-680679-640639-600≤ 599
10 Years7.50%7.80%8.10%9.50%N/A
15 Years7.65%7.95%8.25%9.65%N/A
See Policy for Max Term
Owner- Occupied: LTV 81% - 90% - add .50% to base rate above
Non-Owner Occupied: LTV 1% - 75% - add 1.50% to base rate above

Home Equity Line of Credit (HELOC)

Tier A+Tier ATier BTier C
Primary borrower credit score800+700+600+< 600
Prime: 3.25%4.25%6.25%8.25%10.25%

Maximum Annual Percentage Rate that may be imposed is 21%.


Equal Housing Lender

PCCU is a Proud Equal Housing Lender.