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A home equity loan lets you borrow cash based on the available equity in your home. You can use this affordable option for just about anything — remodeling your home, taking a vacation, consolidating debt, and much more. With our solid rates and flexible terms, budgeting will be easy. Your house is an investment — put your home's value to work for you.

  • Competitive rates for several short-term or one-time needs:
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And much more!
  • Minnesota Housing Fix Up Loan Program available
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • The interest paid might be tax deductible*
  • Local decision-making and processing in our community
  • Attentive, friendly service from start to finish

What You'll Need to Apply:

These items are generally required during the loan application process.

  • Two most recent pay stubs
  • W2s from the past two years
  • Self-employed, commissioned, seasonal work, or rental income; last two years Federal tax returns
  • Bank statements for the past two months (accounts with Harvest Bank are not required)
  • Investment account statements for the past quarter
  • Retirement account statements for the past quarter
  • Driver's License

If you currently own Real Estate:

  • A current mortgage statement
  • Homeowner's insurance policy information
  • Home equity account information (if applicable)
*Consult a tax advisor.