Great things don’t have to take time. In fact, they can happen almost immediately. Like lifting the weight of the world off your shoulders with a home equity line of credit (HELOC). From the time you apply to the time we close your loan is a mere seven days1. In just a week, you can consolidate debt, improve your living space and take in a deep breath—all thanks to your home.

Close in as little as Seven Days1

Introductory rate of 1.99% APR2

No Closing Costs3

A 10-year draw and as long as 15 years to pay off your balance (longer than other lenders)

A credit line up to 80% of your home’s value—minus your first mortgage—to a maximum of $400,000 (more than other lenders)

Joining Mills42 is super easy.

We’ll take care of that part during the application process. Plus, we’re right down the street—local, just like you. So, apply today, and let’s get you moving on to the next chapter of your story.

Understanding a Home Equity Line of Credit:

Chances are your home is worth more than it’s ever been. You can use the equity to open a line of credit, which offers instant money whenever you need it—up to a maximum of $400,000!

Once you have that line of credit, you don’t pay or owe anything on it unless you actually use it (including interest charges). Your home secures the money, it’s up to you what to do next.

With rates significantly lower than a credit card and repayment terms up to 15 years, a home equity line of credit can help you turn a financial corner without leaving the house.

Thinking about using home equity for home efficiency?

Think again. We have an even better loan option—with a 0% rate!

Mills42 is a Mass Save partner, and that means we can offer you a 0% interest-rate loan for qualifying home improvements. Best of all, we can close this loan in as little as one business day!

Contact Us Today To Get Started

Qualifying Improvements Include:

  • Attic, wall and basement insulation
  • High-efficiency heating systems
  • High-efficiency domestic hot water systems
  • Solar hot water systems
  • ENERGY STAR® windows

Do you speak Spanish, Portuguese or Khmer? So do we. Join the credit union that fits you—not the other way around.

Not a member yet? We'll take care of that for you during the loan application process. But to get a jumpstart, enroll online or give us a call at 978.328.5100. We'll be happy to help you build from here.

Everyone deserves a helping hand.

We're right by your side to help you build from here.

Your Mills42 Team.