Apr 30, 2025 / Uncategorized
You know those “someday” projects you keep thinking about? Maybe it’s finally time for that epic backyard pizza oven, vintage car restoration, or a new kitchen that doesn’t look straight out of a 90s sitcom (no judgment from us!).
With a Utah First HELOC, you can turn your home’s equity into a ready-to-go line of credit and finally fund things like dream upgrades, debt repayment, and spontaneous road trips.
Let’s walk through how to use a HELOC to get those Pinterest boards off your phone and into real life so you can turn “what if?” into “heck yes!”
A Home Equity Line of Credit (HELOC) basically functions like a credit card that lets you borrow against your home equity. What’s equity, then? Glad you asked!
Equity is the difference between the value of your home and the amount you still owe on your mortgage loan. If your home’s value is $400,000, and you owe $250,000 on your mortgage, you’ve got $150,000 in equity just sitting there, being all valuable!
As a revolving line of credit, a HELOC lets you:
Use it to fund the kids’ treehouse, the pottery studio you swore you’d use, or whatever else you’re dreaming up. You’re in charge. (Well, you and your home’s value. But mostly you.) It’s flexible, fast, and there when you need it!
At Utah First, we’ve spent 90 years perfecting the art of yes, and our HELOC process is living proof!
Jump over to our HELOC page, fill out a quick form, and you’re on your way to your dream vacation or home remodel without giving us 18 copies of your birth certificate. Plus, with no annual fees or origination costs, getting started is a walk in the park.
Because we only turn 90 once, we’re celebrating big with a special HELOC intro rate of 5.15% APR for the first six months!
All you need is a Utah First Personal Checking account to unlock this deal. (Which is worth it anyway because: free rewards, perks, great vibes.) But act fast, because like the good snacks at a party, this offer won’t last forever! Learn more here.
If you’re thinking, “Cool, but what would I actually do with it?” Don’t worry. We’ve got ideas:
At Utah First, we’re professional dream-enablers. We’ve spent 90 years making things happen, and we’re just getting started.
Take advantage of our HELOC offer, unlock that next big thing, and let’s make magic happen. Check out our HELOC page to learn more — or just jump right in!