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Don’t put your dreams on hold.
Home equity should be affordable, so we’re here to help. From much-needed renovations to your family’s upcoming dream home upgrades, we’re kicking off the summer with rates that every Michigander can take advantage of, whether you already have an orsa™ HELOC or you’re just starting your journey with us.
Fund your summer projects by borrowing up to 100% of your home's value without any fees for as low as…
HELOC details
Borrow what you need, when you need it—and free up credit as you pay it back.
- Rates as low as...
- 4.75% APR* for existing HELOCs
- 5.25% APR* for new HELOCs
- Borrow up to 100% of your home's value
- No application, closing, or annual fees
- No minimum credit score required to apply
To qualify, advances totaling at least $10,000 must be requested and funded on a single business day by December 31, 2026. See below for full details!
More about orsa HELOCs
There’s a lot of home improvement power packed into orsa HELOCs! To learn more about how you can take advantage of your home’s equity, or simply dive into how a HELOC works, visit our main Home Equity Line of Credit page.
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Our flexible terms and competitive rates ensure you save money while achieving your financial goals.
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If you need to chat about your current orsa mortgage, our mortgage servicing team is here for you!
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Maximum APR: The maximum Annual Percentage Rate (APR) that could apply to this account is 25%.
Fees and charges: Fees associated with this account may range from $0.00 to $3,000.You may be required to pay certain fees to third parties to open the plan. These fees generally total between $50.00 and $300.00. There are specialty loan programs that have fees that range between $1,500.00 and $3,000.00. If you request, we will provide you with an itemization of the fees you will have to pay to cover third party expenses.Existing Borrowers:
Existing HELOC borrowers must enroll in the promotion and meet all eligibility requirements. To qualify for the promotional rate, you must obtain qualifying HELOC advances totaling at least $10,000 during a single business day on or before December 31, 2026. Advances made on different business days cannot be combined to meet the qualification requirement. The promotional rate applies only to qualifying new advances and does not apply to existing HELOC balances. The promotional rate will remain in effect until through April 15, 2027, after which any remaining promotional balance will automatically convert to the standard variable APR applicable to your HELOC. Additional terms, conditions, and exclusions apply. See Promotional Advance Addendum for complete details.New HELOCS:
Promotional Rate available on qualifying new HELOCs. To qualify, advances totaling at least $10,000 must be requested and funded on a single business day on or before December 31, 2026. The promotional rate applies only to qualifying advances funded on the day the qualification threshold is met and remains in effect through April 15, 2027. Thereafter, any remaining promotional balance will accrue interest at the standard variable APR applicable under the HELOC Agreement. Additional terms, conditions, and exclusions apply. See Promotional Advance Addendum for complete details.