Use Your Home’s Equity
Unlock your home’s equity and open the door to more financial possibilities.
Turn your biggest dreams into reality.
Thinking about renovating your home, paying for college tuition, or planning a major family vacation? A home equity loan or line of credit are great options to make these big plans come to life.
Unlock Your Home’s Potential with a Mirastar HELOC and Enter Our 75th Anniversary Sweepstakes.*
Limited Time: July 1 – August 31, 2025.*
For 75 years, Mirastar Federal Credit Union has supported homeowners. Now, when you apply and fund a Mirastar HELOC by 5 p.m. PT on August 31, you’re automatically entered into our Anniversary Sweepstakes for a chance at $7,500 in home-improvement funds (ACH deposit).
How to Enter (Two Easy Ways):
- HELOC Financing: Refinance an existing HELOC from another lender or open a new Mirastar HELOC during the Entry Period. Your loan must be funded by 5 p.m. PT on August 31, 2025.*
- Mail-In Entry: On a 3″x5″ card, print your name, address (with ZIP), day/night phone numbers, and email. Mail in a #10 envelope to: Mirastar FCU 2099 Gateway Pl, Suite 140 San Jose, CA 95110 Attn: 75th Anniversary HELOC Sweepstakes. Entries must be received (not just postmarked) by 5 p.m. PT on August 31, 2025.* One entry per person. Incomplete or late entries are disqualified.
*Subject to California Sweepstakes Rules. Eligibility, terms & conditions apply. See Official Rules for details. Void where prohibited.
Home Equity Line of Credit (HELOC)
Access your home’s equity with a flexible line of credit for home improvements, debt consolidation, or unexpected expenses. Borrow what you need, when you need it, with competitive rates and easy access to funds.
Home Equity Loan
Borrow against the equity in your home and receive a lump sum of money to use for things like home improvements, paying off debt, or other expenses. You’ll pay it back in regular monthly payments, just like a regular loan, usually at a fixed interest rate.
Apply for a home equity loan or line of credit.
Knowledge is powerful.
Understanding how to manage your money shouldn’t be complicated. Here’s a variety of topics designed to build your knowledge so you can make the best financial decisions possible.
Best Times to Buy Homes
What Kind of Home Improvement Projects Will Add Value to My Home?
What are the Tax Benefits of Owning a Home?
Disclosures
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Mirastar offers mortgage loans for properties located in California only. All loans are subject to credit approval. Membership eligibility required. Other restrictions may apply.
Mirastar does not underwrite the following types of property:
- Second homes, vacation homes, or investment properties
- Mobile/manufactured/modular homes
- Multi-family homes with five or more units
- Co-ops
- Mixed-use properties
Mirastar currently offers both fixed and adjustable rates for conventional and jumbo loans on properties including:
- Single-family homes
- Multi-family homes with up to four units
- Townhouses
- Condominiums
- Planned Unit Development (PUD)
Home Equity Lines of Credit (HELOC) are variable rate loans and rate may increase throughout loan term. For rate information, see rates.
For full terms and conditions, view the HELOC disclosure.
Home Mortgage Disclosure Act (HMDA) Notice
The HMDA data about our residential mortgage lending is available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website.
Disclosures
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*Sweepstakes: NO PURCHASE NECESSARY. Must be 18+ to enter. Begins 7/1/25 at 10:00 AM PT and ends 8/31/25 at 5:00 PM PT. One (1) winner will receive a $7,500 cash prize. Odds of winning depend on number of entries received. Based upon the Credit Union’s estimate of 250 entries, the odds of winning are 1 in 250. To enter the sweepstakes, you may either finance or refinance a HELOC not currently financed with Mirastar Federal Credit Union or submit a mail-in entry. See Official Rules for odds and other details at www.mirastarfcu.org/files/75th-anniv-HELOC-sweepstakes-official-rules.pdf. Void where prohibited. Winner is responsible for any applicable taxes. Sponsored by Mirastar Federal Credit Union, 2099 Gateway Pl, Suite 140, San Jose, CA 95110. Home Equity Line of Credit (HELOC) is subject to credit approval. Interest rates and terms may vary based on creditworthiness and property type. Borrowing against your home equity comes with risks, including the potential loss of your home if payments are not made. Additional fees, conditions, and restrictions may apply. Please consult with a financial professional or lender for full details.