Home State Bank : Cosmos Branch
200 Milky Way St. S
Cosmos , MN 56228
Visit Home State Bank main page
New York City, NY
Featured Home Equity Rates in Minnesota
Loans Amounts from $25,000 - $500,000.
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Loans Amounts from $25,000 - $500,000.
Get a HELOC from PenFed to Put Your Home Equity to Work.
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans.
Home Equity Line of Credit - Equal Housing Lender.
Intro APR : 6.240 %
After Intro: 6.240 %
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Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period
Intro APR : 6.950 %
After Intro: 6.950 %
$15,000
Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US
Unlock Your Home's Potential
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Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans
Cash in with a HELOC
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Borrow up to $500,000*
Apply 100% online in minutes with a user-friendly platform
Check your rate without affecting your credit **
Tap into home equity today
NMLS ID: 1802847 /
Updated 2026-04-05
Renovating? Work with experts in renovation financing
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Renovating? Work with experts in renovation financing
Borrow up to 125% on your current home value to finance renovations
Loans up to $750k with competitive rates from Credit Unions
Borrow more than a typical HELOC
Home Equity Loans & Refinance – Cash out
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Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Featured 30-Year Fixed Mortgage Rates in Minnesota
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Fees & Points
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0.000 Pts
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Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
Tap into your home’s equity with a cash-out refinance
Fees & Points
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Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms
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Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews
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Your home's value could help you save.
Turn your equity into opportunity.
Calculate your home equity loan options with lenders.
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Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
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