Home Loans

Getting keys, simplified.
That’s how we help.

A Better Mortgage Lending Experience, Unlocked

Close the door on endless, redundant forms, paperwork chaos and confusing fine print. We’re already here for you at First Eagle—so of course we want to make the entire process of securing your mortgage loan (and next home!) easier.

From a first home milestone to a dream build, our friendly mortgage lenders make it fast, simple and affordable with competitive rates and a streamlined digital mortgage process. Plus, we’re here for you from start to closing. (The only thing we can’t do? Help you unpack.)

Ask about our housing grant assistance for 1st-time homebuyers & community partners, such as health care workers, law enforcement, educators and more!

Member-Only Perks,
Only at First Eagle:

That’s how First Eagle moves you forward—and moves you into that new home faster.

Home Equity Line of Credit (HELOC)

Best for: Ongoing expenses, uncertain amounts, and multiple projects over time — like college tuition or phased home remodels.

A variable-rate HELOC gives you a source of funds to draw from as needed, like a revolving charge account, so it’s up to you how much you withdraw at a time. You only pay back what you use, plus interest, and every time you make a payment, you automatically replenish the funds available to you.

A First Eagle HELOC offers:

Rates as low as 6.75% APR*
No closing costs when $20,000 or more is taken at settlement
Freedom to borrow up to $150,000 or up to 80% of your available equity, for qualified borrowers¹
Easy access to your funds
Tax advantages*

HELOCs: What You Should Know

FEES AND CHARGES:

In order to open, use and maintain a line of credit plan, you must pay a Check Printing Charge: $20.00 (due when checks are ordered).
All HELOCs require a flat $75 processing fee. If you ask, First Eagle will be happy to provide you with an itemization of any fees you may have to pay to third parties.

Home Equity Loans
(Second Mortgages)

Best for: One-time expenses, known amounts, and single projects — like a new roof, kitchen remodel or (why not?) destination wedding.

Do you need money for a one-time expense? A fixed-rate Home Equity Loan is a smart way to finance a specific purchase. With a home equity loan, you receive all the money up front, and make set monthly payments. And since the rate is fixed, you can be confident in knowing that your repayment terms will remain the same for the life of the loan.

A First Eagle Home Equity Loan offers:

Rates as low as 6.74% APR*
Personalized terms: 5-, 7-, 10- and 15-year options
No closings costs when $20,000 or more is taken at settlement; requires a $75.00 processing fee
Finance up to 80% of your available equity, for qualified borrowers*
Borrow between $5,000 and $150,000 – receive 1 lump sum
Tax advantages*

Lets Open Doors, Together

Not quite ready to start your application, or still have questions about the mortgage loan process? We’re here to help make the entire home financing experience feel better, from locking in that low rate to a super-smooth closing day.

Check our rates or call us at 888-231-2022 for more details and personal assistance with your application.

Questions? We're here to help.

Call us at 1-800-231-2022 or visit a branch near you.

*APR=Annual Percentage Rate. This is a variable rate loan, based on Prime Rate, and the APR may change monthly. Prime Rate effective 10/1/25 is 7.25% as published in the Wall Street Journal. The rate floor for all Home Equity Lines of Credit is 4.00% APR, the maximum rate that can apply is 18.00% APR. Minimum loan amount is $5,000. ¹For qualified borrowers, borrow up to 80% of your home’s value, minus any existing liens. ±Consult your tax advisor.

*APR=Annual Percentage Rate. Minimum loan amount is $5,000. *For qualified borrowers, borrow up to 80% of your home’s value, minus any existing liens; finance up to 80% in Texas only. ±Consult your tax advisor.