Home Equity Special

No matter what you’re hoping to accomplish this fall, we can help you pay for it with a Home Equity Loan or a hoME1st Equity Line of Credit.

Home Equity Loan
• Use for any purpose that has a one-time fixed cost
• 3.99% APR* fixed rate for 5 years
• Pay $199 in closing costs
• Borrow any amount from $10,000 to $150,000
• Borrow up to 85% of your home’s available equity!
hoME1st Equity Line of Credit
• Use when you want to access available funds as-needed
• 3.99% APR* introductory rate through 12/31/18
• Pay $99 in closing costs**
• Borrow any amount from $5,000 to $150,000
• Borrow up to 100% of your home’s available equity!

 

Contact us to schedule an appointment for a FREE home equity assessment & payment estimate!

 

 

 

 

 

*Annual Percentage Rate. 3.99% introductory rate requires a minimum credit line of $25,000.00 with a required 1st advance of $10,000. Subject to membership, credit and underwriting guidelines. Offer available for new loans only. **$99.00 closing costs requires a minimum credit line of $25,000.00 with a required 1st advance of $15,000.00 and a loan-to-value equal to or lower than 85%. Open End Equity Line of Credit is an adjustable rate product and may adjust quarterly. Maximum APR is 18%. The Index rate is the Prime Rate as published in the Wall Street Journal on the date, 60 days prior to any scheduled rate adjustment, plus a margin with a floor rate of 4.250%. The current fully indexed non-promotional rate is 4.500% APR for a loan-to-value up to 85% with a qualifying credit score. Higher rates apply to loan-to-values up to 100%. There are no annual fees: however, there may be an early termination charge applied if the line of credit is closed within 36 months of opening. Property Insurance required.

†$199.00 closing costs requires a minimum loan amount of $10,000.00 with a maximum repayment term of 5 years.

Other terms, restrictions and fees may apply for loans with a loan-to-value greater than 85%. An appraisal is required for loans with a loan-to-value greater than 85% and is the member’s responsibility. The range of costs for the appraisal is between $350.00 to $700.00. Federally insured by NCUA, Equal Opportunity Lender, NMLS#461085.