Why you should talk with one of our home loan experts
We’ll meet with you, answer your questions, and help you make the best decision without charging you a dime. Even better, there’s no obligation on your part.
Different states have different rules. Zing Credit Union underwriters are all local, so they understand how to process your home equity loan quickly, efficiently, and (most importantly) correctly the first time.
Decades of experience
With a combined 32 years of experience, Zing Credit Union financial professionals are prepared to answer all your questions and get you the financing you need to fit your unique goals.
Home Equity Solutions
This mortgage is great for taking out a lump sum of cash then paying it back over a term.
Home Equity Line of Credit
This option is great if you are unsure how much you may need at once, or if you are planning multiple on-going projects.*
Not sure which is the best fit?
Our local mortgage lending team has over 32 years of combined experience. They are standing by to help!
Start the path to homeownership by getting all the necessary documents ready.
Quickly learn more about home loans and how they really work!
Using your home’s equity
There’s money just sitting in your home. From home improvement projects and debt consolidation to education expenses, vacations, and more, you can pay for the things you need using the equity you’ve built in your home, without needing a high-interest loan.
Use your home as collateral to get a large loan at a low rate and use the funds to pay off any high-interest debts. Not only can a home equity loan help get you out of debt, but it can also save you money in the process!
Home projects can be expensive. Why not use the value in your home to pay for improvements? If you’re not sure how much the project will cost, you can get a home equity line of credit with fixable drawdown and payback terms for ongoing flexible financing and predictable payments.
Fund your household’s education with ease. Student loans aren’t always affordable, even with financial aid. When you use your home’s equity to pay for educational expenses, you can get more funding at a lower interest rate to pay for tuition, books, lodging, or anything else that will help you or your family members achieve their dreams.
We received a HELOC for home improvements. It went very smoothly and was completed in a timely manner. Everyone we worked with was very informative and cordial. Awesome to work with. 10 out of 10 stars for me. They are the best.Steve W.
Frequently asked questions
Zing offers free online e-courses that provides information about mortgages and home ownership. Visit our e-course page today.
No, Zing Credit Union uses its own lending criteria for making loan.
You will need to know your Social Security Number, and provide a valid ID. The loan application will require information about your employment and income. Depending on the loan, you may be required to provide additional information.
Yes, you can apply for a loan online from the comfort of your home.
You can borrow up to 85% of the value of the home.
A HELOC works by allowing you to borrow against the equity in your home. Unlike a second mortgage, a HELOC acts similar to a credit card where you can borrow funds as you need them instead of receiving one lump sum of money.
Yes. They may provide you with a list of documents, and then they will give you the contact information to one of our expert mortgage loan officers.
Closing costs are usually between 1.50% to 2.00% of the loan amount.
620 is the minimum credit score to qualify for a home loan. Please note that other factors like income, debt-to-income, loan to value, among others can impact your ability to qualify.
Our experts will answer your questions and help you get the best home equity loan
Getting a home equity loan can be a big decision. Fortunately, our home loan team has decades of experience and they're here for one reason: to help you. They'll answer your questions and help you make the best decisions.