Home Loans

Let your home work for you

All XCEL home loan options feature

  • Money for any number of uses
  • Competitive interest rates
  • Flexible repayment terms
  • Easy application process
  • Low or no closing costs

Home Equity Loans

  • Lump sum loans with competitive rates
  • Fixed-rate loans available
  • No closing costs*
  • Use money for remodeling, repair costs, travel, tuition or any other purpose 

Home Equity Lines of Credit

  • Revolving Credit Line
  • Credit Line based on equity in your home
  • Easy access to money when you need it
  • Funds can be used for remodeling, repair costs, travel, tuition or any other purpose

Home Improvement Loans

  • The right loan for your home improvement project
  • Build a new pool, put solar panels on the roof, or remodel the kitchen or bath
  • Unsecured fixed-rate home improvement loans
  • Have the cash in your account and pay the contractor when you are ready