Home Equity
Open the door to new possibilities
It turns out that home is where the cash is! If your home is worth more than you owe on it, you can use that equity for home improvements, debt consolidation, college tuition payments, or even to take you on your dream vacation. With a home equity loan, you make fixed payments of principal and interest. With a home equity line of credit, you only need to make interest payments during the draw period.
Not ready to apply? Contact a HELOC Specialist

Flexible Options
Life can take many directions. That’s why we give our members flexible options to choose a revolving home equity line of credit, a fixed-rate loan or even a combination of both! This gives you control of your situation and allows you to pick the option that best aligns with your cash flow.
Low Rates
With Jovia, you can get a credit line introductory rate as low as 1.79% APR for the first twelve months.‡
Easy Access
Ever had to choose between going big or going home? Now you can go big for your home. You can borrow as much as $500,000, based on the equity in your home.
Flexible Options
Life can take many directions. That’s why we give our members flexible options to choose a revolving home equity line of credit, a fixed-rate loan or even a combination of both! This gives you control of your situation and allows you to pick the option that best aligns with your cash flow.
Low Rates
With Jovia, you can get a credit line introductory rate as low as 1.79% APR for the first twelve months.‡
Easy Access
Ever had to choose between going big or going home? Now you can go big for your home. You can borrow as much as $500,000, based on the equity in your home.
Featured Rates
Home Equity Line of Credit ‡
1.790%
APR
N/A
Term
N/A
Payment per Thousand
Home Equity Fixed Loan †
4.000%
APR
60 months
Term
$18.42
Payment per Thousand
Calculate your payments※
Jovia Financial allows you to make interest-only payments for ten years, after which a principal and interest repayment period of twenty years begins. Line of credit payments for the 20-year repayment period are amortized so that the monthly payment remains the same throughout the repayment period. Subject to change.
How much can you pay per month?
Intro Draw Period
for first 12 months, at 1.7900% APR¤
Remaining Draw Period
for remaining draw period (9 years), at prime (3.25%) APR¤
Repayment Period
for 20 years¤
How Does a Home Equity Line of Credit Work?
A home equity line of credit can get you the money you need when you need it. We’ll explain the process of how it works and what it can be used for so you can determine if a HELOC is the right choice for you.
