Home Equity
Fixed Rate Loan Conversion

We believe life is an adventure and we want to be there to assist you every step of the way. Whether those steps lead you to create that dream kitchen or buy a new car, the equity you have built in your home can provide you with home equity lending options.

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NEW Fixed Rate Loan Conversion Option

Fixed rate loan conversion allows you to convert a portion or all of the outstanding line balances into a fixed term loan.
This option is only available on new home equity line of credit applications received on or after 2/1/19.


  • Available fixed rate terms from 1-15 years
  • Minimum loan conversions amount of $5,000
  • No fixed rate conversion fee
  • No restriction on number of conversions (only available during 10 year draw period)
  • Requires monthly automatic repayment from a HarborOne savings or checking account 
  • **Continued access to revolving line as the need arises

**As the loan is repaid, funds within the line of credit may become available for re-use

Loan AmountTermAnnual Percentage Rate (APR)Monthly Payment Per Thousand
$5,000 - $750,0005 Years9.00%$20.76 per Thousand
$5,000 - $750,00010 Years9.25%$12.80 per Thousand
$5,000 - $750,00015 Years9.50%$10.44 per Thousand

When you want to borrow a specific amount for a one-time need–whether you're looking to upgrade appliances, buy a car, or consolidate debt—then a bank loan may be your best solution. Our loans offer predictable monthly payments, competitive interest rates and a variety of payment options.