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Whether it’s an emergency, a college fund or unexpected renovation, your four walls can fast-track you to a new credit line. A home equity line of credit (HELOC) or home equity loan can help you free up cash by borrowing against your property.
房屋净值贷款
Unlock your home’s value.
If you need all of your cash up front, home equity loans provide a one-time advance with all the money you’re looking to borrow at a low fixed rate.
- Enjoy a fixed rate for the life of the loan
- Tackle large home improvement projects and raise your home’s worth
- Only available on properties located in Maryland, D.C.维吉尼亚,
- Receive a reduced rate when you finance the construction of an accessory dwelling unit (ADU)
- May offer tax advantages; consult your tax adviser
利率 Effective: January 14, 2022| 术语 | 低至四月* | 贷款价值比(LTV) | Sample Monthly Payment for $10,000 |
|---|---|---|---|
| 术语 10年 | 低至四月* 4.000% | 贷款价值比(LTV) 80% | Sample Monthly Payment for $10,000 $101 |
| 术语 10年 | 低至四月* 4.750% | 贷款价值比(LTV) 90% | Sample Monthly Payment for $10,000 $104 |
| 术语 10年 | 低至四月* 5.250% | 贷款价值比(LTV) 100% | Sample Monthly Payment for $10,000 $107 |
| 术语 15年 | 低至四月* 4.375% | 贷款价值比(LTV) 80% | Sample Monthly Payment for $10,000 $75 |
| 术语 15年 | 低至四月* 5.125% | 贷款价值比(LTV) 90% | Sample Monthly Payment for $10,000 $79 |
| 术语 15年 | 低至四月* 5.625% | 贷款价值比(LTV) 100% | Sample Monthly Payment for $10,000 $82 |
| 术语 20年 | 低至四月* 4.625% | 贷款价值比(LTV) 80% | Sample Monthly Payment for $10,000 $63 |
| 术语 20年 | 低至四月* 5.375% | 贷款价值比(LTV) 90% | Sample Monthly Payment for $10,000 $68 |
| 术语 20年 | 低至四月* 5.875% | 贷款价值比(LTV) 100% | Sample Monthly Payment for $10,000 $70 |
房屋净值 Line of Credit (HELOC)
昨天需要现金?
There’s simply no easier way to put your home to work for you than with a 房屋净值 Line of Credit: It’s a ready source of cash you can access again and again.
- Borrow up to 100% of the value of your home1 without incurring points, annual fees and with reduced closing costs2
- $10,000 minimum loan amount
- Variable rate based on The Wall Street Journal 主索引
- Line of credit you can use again and again
- Interest-only payment option available
- Receive a reduced rate when you finance the construction of an accessory dwelling unit (ADU)
- Only available on properties located in Maryland, D.C.维吉尼亚,
- May offer tax advantages; consult your tax adviser
利率 Effective: April 1, 2022 | 低至四月* | 贷款价值比(LTV) |
|---|---|
| 低至四月* 3.25% | 贷款价值比(LTV) 80% |
| 低至四月* 4.00% | 贷款价值比(LTV) 85% |
| 低至四月* 4.25% | 贷款价值比(LTV) 90% |
| 低至四月* 4.50% | 贷款价值比(LTV) 95% |
| 低至四月* 4.50% | 贷款价值比(LTV) 100% |
Accessory Dwelling Unit Financing
The key to expanding your property.
Effectively finance a loan for the construction of your rental property, ADU financing requires $0 down and offers rates .25% lower than standard equity products.
- Must be approved by the applicable county
- Only available in Maryland, D.C.维吉尼亚,
Get more information today.
Tell us a little bit about yourself and your real estate financing needs. We’ll reach out with ideas on how we can help.
Why Choose Arlington
As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.
Financial Empowerment
We’re here to help our members—and neighbors—meet their financial goals and live their best lives.
有益的经验
We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.
最大的完整性
We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.
精美的印刷
1Maximum loan amount is $300,000 for LTV of 95% or higher.
2For HELOCs only, all closing costs except mortgage taxes and recording fees will be paid by ACFCU. Range of closing costs between $700 and $1,600 based on a $100,000 equity loan. If HELOC is closed within three years, ACFCU will add any closing costs paid on member’s behalf to member’s outstanding balance.
*Annual Percentage Rate is variable and subject to change with Quarterly Interest Rate Adjustments. The APR will not be less than 3.75% and will not exceed 18%. Exclusions and conditions apply. Interest charges apply only when you use the line. Property insurance required. Offer available only on owner-occupied, 独栋, residential real property located in VA, MD, 和D.C. ACFCU must obtain a valid first or second lien position on the collateral and all owners must sign the documents. All payments are applied to the lower balance first. All closing costs except mortgage taxes and recording fees will be paid by ACFCU. Range of closing costs between $700 and $1,600 based on a $100,000 equity loan.
Equal Housing Lender. 核磁测井# 477974. Loan and membership requirements apply. Federally insured by NCUA.
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