Tap into your equity for all the important things in life.

Keep moving your life forward with on demand access to your home's equity for big purchases, debt consolidation, or home projects.
Apply for a HELOC
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Flexible access to your home equity.

Quorum's First Lien and Second Lien HELOCs (home equity lines of credit) let you borrow against your home's equity as you need it—not in one lump-sum loan. Draw what you need, pay interest only on what you use, then repay over time.

A First Lien HELOC replaces your current mortgage; a Second Lien HELOC sits alongside it. Both come with competitive variable rates, interest-only payments during the draw period, and no prepayment penalty.

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What can you do with a HELOC?

First Lien HELOC vs. Second Lien HELOC: which is right for you?

The main difference is lien position: whether your HELOC is in the first position on your home or behind your existing mortgage.

Who holds the primary lien?
Who is this option best for?
What happens to your existing mortgage?
How do you access your funds?
What are the eligible occupancy types?

First Lien HELOC

Quorum is the first lienholder on the property.

Homeowners who want one home equity line tied to their primary mortgage position.
May replace or sit in the first mortgage position.
Draw as needed from an available credit line.

Primary residence (1-4 units), second home (1 unit), and investment property (1-2 units)

Second Lien HELOC

Quorum is the second lienholder, behind your existing mortgage
Homeowners who want to keep their current mortgage and access available equity.
Stays in place with your current lender.
Draw as needed from an available credit line.
Primary residence (1-4 units) and second home (1 unit)
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Why choose a Quorum HELOC?

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Built to give homeowners control—with competitive rates, flexible draws, no surprises.

Funding up to $750K¹

Borrow in first or second lien position, sized to what your goals require.

10-year flexible draw period¹

Pull funds as you need them—for phased projects, big purchases, or the unexpected.

20-year repayment period¹

A longer runway keeps monthly payments manageable.

640 minimum FICO

Common sense underwriting puts financing within reach without a perfect score.

High LTV/CLTV

Up to 95% CLTV (Second Lien) / 90% LTV (First Lien) for maximum borrowing power.

No prepayment penalty

Pay down or pay off anytime. No penalty, no hidden fees.

Apply online in minutes, not weeks.

Start your application, upload documents, and track every step in real time.

Not yet a Quorum member?

As with any credit union, membership is required in order to take advantage of credit union products and services. Membership is free and included in the online application.

  1. Apply online and upload required documents in one secure platform.

  2. Close: As soon as you've been approved and satisfied all loan conditions, we'll set up your closing appointment.

  3. Access funds: After closing, your funds will be available to use however you choose, instantly2!

Apply now
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HELOC CHECKING OFFER

Pair a HELOC funds + a $300 bonus.

Open a QClassic Checking and access up to $50K2 of your HELOC funds instantly!

Here's how: 

  1. Log in to your account.

  2. Go to Open > Checking/Savings, then choose QClassic.

  3. Follow the steps and hit Submit.

As soon as your loan closes, you’ll be able to draw up to $50K of your HELOC funds instantly!

To get the $300 bonus3, simply set up qualifying direct deposits totaling $5,000 within 90 days.

Open QClassic
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MOBILE BANKING APP

Your HELOC at your fingertips.

Access your funds instantly, make loan payments, view statements—all in one app.

Apply now
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RESOURCES

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If you've recently had your home inspected, it's important to follow up on necessary repairs. Learn how to work through your list.
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Real Estate Investing: One of the Best Uses for a HELOC

Did you know one of the top uses for a HELOC—and one that can make you money—is real estate investing? Specifically, helping you to fund an investment property?
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Home Improvement Scams

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Should you Refinance to a 15-Year Mortgage?

Borrowers may be wondering if refinancing a 30-year mortgage into a 15-year loan is a sound move to make for their home loan. We’ve worked out the numbers.
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How to Make an Offer on a House Like a Boss

Making an offer on a home has the potential to turn into a nightmare… if it goes sour. Below are some tips to make the best offer possible.
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Does Upgrading Your Appliances Make Financial Sense?

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What is Debt-To-Income (DTI) Ratio?

Debt-to-income (DTI) ratio is an important factor when underwriting loans. Learn what it is, how it’s calculated and how to improve it.
Read more
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What is a Home Appraisal?

A home appraisal determines a home’s current value. It serves an important purpose whenever a home is being used as collateral for a loan.
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What to Expect During the First Mortgage Process

Learn step-by-step what you can expect when applying for a first mortgage, from submitting your application to closing!
Read more

HELOC FAQs.

What our members say.

"We were able to close my HELOC very quickly, and I was kept up to date the entire way through. I highly recommend Quorum for your HELOC needs!"
Monica S.
" had a wonderful experience working with Quorum to get a HELOC. The team were a joy to work with. They provided prompt responses to our questions, step-by-step instructions, and showed great attention to detail throughout the process."
Arden M.
"My husband and I both work in the mortgage business, so needless to say, we are picky about the HELOC process, because we know how it should be! The process with them was flawless, the tech platform was user-friendly, the communication was stellar, and they offer a very competitive HELOC."
Jennifer A.
"Quorum was very responsive and clear about everything from the beginning. When the application ran into issues, they went above and beyond to make sure I had all the exceptions and approvals in place for a smooth release of funds."
Nikhil B.

Let's connect.

Complete the short form below, and we'll connect you with the right team to help move things forward.
Disclaimers

1First Lien HELOC Disclosure: The Annual Percentage Rate (APR) is as low as 6.625% as of 07/01/2026 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate and is based on an index (Prime rate as published in The Wall Street Journal) plus a margin. The margin is determined based on credit history, loan amount and loan-to-value (LTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1-4 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $50,000.00. No draw required at closing. No application or termination fees. Appraisal fee varies. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line of Credit is not available in TX. All loans are subject to credit approval. Fees are due at closing and debited from the HELOC (except appraisal fee, if applicable, due at time of application). Additional fees for HELOCs, including all lender fees, origination fees and third-party fees will be passed to the borrower. Click here for the Fee Schedule.

Second Lien HELOC Disclosure: The Annual Percentage Rate (APR) is as low as 6.625% as of 07/01/2026 and subject to change. The Floor Rate is 4.95%. Maximum APR is 18.00%. The APR is a variable rate, plus or minus a margin, and is based on the Prime rate (index – as published in The Wall Street Journal) plus a margin. The margin is determined based on credit history, loan amount and combined loan-to-value (CLTV) ratio. Rate will not increase or decrease more than 2% annually. A home equity line-of-credit is secured by the member’s home and is available only for 1-4 family residential properties and condominiums, excluding co-ops. Minimum line-of-credit amount: $25,000.00. No draw required at closing. No application, or termination fees; appraisal fee varies. No pre-payment penalty. Mortgage tax may apply in some states. This Home Equity Line of Credit is not available in TX. All loans are subject to credit approval. Fees are due at closing and debited from the HELOC (except appraisal fee, if applicable, due at time of application). Additional fees for HELOCs, including all lender fees, origination fees and third-party fees will be passed to the borrower. Click here for the Fee Schedule.

 

2Instant Access and Hold Policy​: When you transfer funds from your Home Equity Line of Credit (HELOC) to your QClassic or QBoost checking account, you may be eligible for instant access to up to $50,000, subject to the following terms:​

If you select a QBoost or QClassic checking account for your transfer, you will have immediate access to up to $50,00 of the transferred amount.​ Hold on Remaining Funds: Any amount over $50,000 will be subject to a 3-4 business day hold before being available for use. Transfers to Ineligible Accounts: If you transfer funds to a checking or savings account that is not a QBoost or QClassic checking account, the full draw will be subject to a 3-4 business day hold.​



3$300 Incentive: This offer is available to any current Quorum member who opens a QClassic checking account and receives cumulative direct deposits totaling $5,000 within 90 days of account opening. Qualifying direct deposits must be electronic deposits of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-person payments (such as Zelle®) and micro-deposits (typically less than $1 used for account verification) do not qualify.

This offer is limited to one incentive per member, 2 per household, regardless of the number of accounts opened. Members who currently own a Quorum checking account, or who have closed a Quorum checking account within the past 12 months, are not eligible for this offer. Members switching from any existing Quorum checking account to a QClassic are also not eligible.

The $300 incentive will be deposited into your new account 30 days after the last qualifying deposit is received. The enrolled account must not be closed or restricted at the time of payout.

There is no minimum account duration requirement and no monthly fee. The incentive is considered a dividend and will be reported as income to the IRS. Members are responsible for any applicable taxes. Offer availability subject to change at any time without notice.

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