If you are planning to start your year with some big home improvements projects and need a little kickstart, Rolling F Credit Union is here to help you. With our Home Equity Loans, those projects don’t have to wait any longer. Many people have a lot on their plate going into 2026. Living in California, this is definitely no exception. Finances and budget can seem overwhelming this time of year, especially after the holidays. But the finances shouldn’t have to get in the way of you getting things done.
Home Equity Loans
Our Home Equity Loans allow you to borrow money based off the equity in your home. You might be able to borrow up to 80% of your first mortgage. We offer a minimum of $10,000, and a max of $200,000 along with some of the best, and most flexible rates you will find in the Merced and Stanislaus Counties. You can come into our office, and we’ll work with you to find the best option for you—based off your needs. And the best part: quick turnaround times. You don’t have to be waiting for months, just to find yourself working in the summer heat by the time the money comes. Not to mention the amount of ways you can utilize your money.
Ways to use your money
This time of year is perfect to finally fix up your house. Roof repairs, new floors, replace your fence—the options are almost endless. But this type of loan don’t have to be used only for your home improvements. Use it to help pay with school, fund your wedding, or even take a vacation!
Other Options
If you don’t want to take a lump sum amount for your home improvements, you could always see if you are eligible for a HELOC (Home Equity Line of Credit). Borrow anywhere from $10,000 to $100,000 dollars, and only pay for what you borrow! The amount is also based off your home’s equity. No matter what option you choose, our rates are always flexible.
Want to know more?
We HIGHLY recommend coming into our office in Turlock, CA to find out more. Our staff was recently awarded a gold medal in “Best Customer Service” by the Best in Modesto Magazine. Our bottom line is that we are here for you! We want to find the best option to fit your budget, and your life. Our loan officers would be more than happy to talk to you and figure out exactly what you need.
Click our webpages below to apply now:
Apply for a Home Equity Line of Credit (HELOC)
If you need a little bit more information on what exactly HELOC and Home Equity Loans are, here are some useful links from Experian, one of the big three credit bureau’s:
Worried about your Credit Score? Don’t let that weigh you down—Check out our Credit Builder Loans and start building your credit NOW
Rolling F’s Credit Builder Loans
FAQ:
What is a Home Equity Loan?
- Allows you to borrow a lump sum of money
- Amount is based off your home’s equity
- You pay in fixed monthly payments
How is a Home Equity Line of Credit Different?
- Borrow money as you need it in the form of credit
- Limit is also based off home’s equity
- Comes with a $50 annual fee
Is there limits on what can I use these for?
- There is no specific purpose—it’s your money, use it how you need it
