Homeowner Advantage Loan Get settled, no equity needed. Apply now Homeowner Advantage Loan 101 If you own your home but don’t have a ton of equity just yet, you can still borrow the money you need with a Homeowner Advantage loan — no collateral required. Nest or fly the coop. As long as you have a good, solid credit history and a home in your name, you can make the most of our Homeowner Advantage Loan. Fund those big home repairs and upgrades, or maybe a scenic escape is what you need. Whether it’s for a vacation or renovation, how you spend the money is up to you. Borrow as much as $40,000 or as little as $5,000 and set your payment term for any length of time, up to 10 years. Homeowners Advantage Loan Rates Type Term APR* Homeowners Advantage Loan up to 120 months 9.49% to 15.99% *APR = Annual Percentage Rate. The APR you receive for advances will be within the range disclosed above and is based on the member's credit history. Not all members will qualify for the best or lowest rate and the credit union will evaluate your credit history at the time of every advance. No Equity Required. Loan Benefits Always in your pocket On the couch or on the go, keep your money close with our Mobile App and Online Banking. Learn More Where you go, we go Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway. Let's go! Goal setting made simple Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us. Schedule appointment Rest easy With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away. Get by with a little help Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera. Need A Hand? More is merrier Extra payments on loans are accepted anytime. Free yourself From loan origination fees. This loan has none. Get Started Make the most of where you’re living. Apply for your Homeowner Advantage loan today. With no application fee, what are you waiting for? Apply now Member Resources Show me the quick links! These are the things we always seem to need and can never seem to find. Credit Life, Disability, and Unemployment Protection Send email + Submit a Payment Protection Claim Submit claim + Need a hand? We've got you covered. Give us a call and let's talk face-to-face. Start video chat What is a Homeowner Advantage Loan? + What are the term lengths for a Homeowner Advantage Loan? + Can I make additional payments on a Homeowner Advantage Loan? + How much money can I borrow using a Homeowner Advantage Loan? + Can I set up automatic transfers in Online Banking to pay for my Homeowner Advantage Loan? + You may also like... Go on Home Equity Line of Credit A loan designed to help you balance big expenses with a lot of flexibility. Sign me up Home Loan Whether you are buying or building, we can fund your adventure. Yes, please Home Equity Loan Our home equity loan offers fixed interest rates and fixed payment amounts for up to a 20-year term. What's New Community / Fortera Clarksville's Best 2021 Winner Read More Community / Fortera Spring Street Branch Closure Read More Read More Nitty, gritty, and super important. Fine print is your friend. When you have a minute, give these a good read: Member Service Agreement View PDF Privacy Policy View PDF Chat Our Rates Open Account Apply for Loan We're All In. About Us Community Fortera Foundation Careers Feedback CO-OP Shared Branching P.O. Box 30669, Clarksville, TN 37040 Phone: (931) 431-6800 Toll-Free: (800) 821-5891 Routing #: 264182120 Accessibility Disclosures NMLS Numbers Privacy Notice Online Privacy Statement Submit a Claim © Copyright 2021, Fortera Credit Union. All Rights Reserved. Federally insured by NCUA up to at least $250,000. Equal Housing Opportunity.