hoME1st Equity Line of Credit

If You Can Dream It, You Can Do It
With A hoME1st Equity Line of Credit!

Enjoy a Promotional Fixed Rate
of just 3.99% APR* until 09/30/2018
& just $99 in closing costs!**

  • Borrow any amount from $5,000 to $150,000
  • Borrow up to 100% of your home’s available equity!
  • Draw from your line of credit as-needed for any project or purpose including: home repair/remodeling, college expenses, vacations and more!

Contact us if you have questions,
or complete a secure online loan application now!

 

 

 

 

 

*Annual Percentage Rate. Subject to membership, credit and underwriting guidelines. **$99.00 closing costs requires a minimum credit line of $25,000.00 with a required 1st advance of $10,000.00 and a loan-to-value equal to or lower than 85%. 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%. The range of costs for the appraisal is between $350.00 to $700.00. hoME1st 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. Federally insured by NCUA, Equal Opportunity Lender, NMLS#461085.