Home Equity

Get more out of your home.

Feel secure with a fixed payment that fits your budget, and save on interest.

Ways to Apply

For People Who…

  • Looking for a fixed interest rate.
  • Need a fixed payment each month.


  • Fixed interest rate and monthly payment.
  • Terms from one month up to 20 years.
  • Payments deducted automatically from an NWSB Bank


  • Interest rates are fixed
  • Payment will never change through the term of the loan.
  • You'll receive the entire amount upfront.

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How it works.

We look at the fair market value of the property, which is determined by an Automated Valuation Model (AVM) Report and Property Condition Report (PCR), or an appraisal in accordance with the Bank's real estate appraisal guidelines.

Save time, and always pay on time, with payments deducted automatically from an NWSB Bank checking or statement savings account. By setting up automatic payment deduction, you may qualify for a lower interest rate.

Ways to Apply

Apply Online

Apply easily using our online loan application!

Apply Online

Apply By Phone

We have dedicated staff that can assist you with applying right over the phone!

Call to get started now!


Visit an Office

Our friendly knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

Find an Office



We have a variety of calculators available for you.



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