Whether it's an emergency, a college fund or an unexpected renovation, your four walls can give you quick access to new credit lines。A home equity line of credit (HELOC) or home equity loan can help you free up cash by borrowing your property。
If you need all the cash up front, home equity loans offer a one-time down payment to borrow all the money you want at a low fixed rate。
术语 | Low APR *。 | Loans and Value (LTV) | Sample monthly payment of $10,000 |
---|---|---|---|
术语 10年 | Low APR *。 4.000% | Loans and Value (LTV) 80% | Sample monthly payment of $10,000 $101 |
术语 10年 | Low APR *。 4.750% | Loans and Value (LTV) 90% | Sample monthly payment of $10,000 $104 |
术语 10年 | Low APR *。 5.250% | Loans and Value (LTV) 100% | Sample monthly payment of $10,000 $107 |
术语 15年 | Low APR *。 4.375% | Loans and Value (LTV) 80% | Sample monthly payment of $10,000 $75 |
术语 15年 | Low APR *。 5.125% | Loans and Value (LTV) 90% | Sample monthly payment of $10,000 $79 |
术语 15年 | Low APR *。 5.625% | Loans and Value (LTV) 100% | Sample monthly payment of $10,000 $82 |
术语 20年 | Low APR *。 4.625% | Loans and Value (LTV) 80% | Sample monthly payment of $10,000 $63 |
术语 20年 | Low APR *。 5.375% | Loans and Value (LTV) 90% | Sample monthly payment of $10,000 $68 |
术语 20年 | Low APR *。 5.875% | Loans and Value (LTV) 100% | Sample monthly payment of $10,000 $70 |
There's no easier way to make your home work for you than a home equity line of credit: it's a ready source of cash you can use over and over again。
Low APR *。 | Loans and Value (LTV) |
---|---|
Low APR *。 3.25% | Loans and Value (LTV) 80% |
Low APR *。 4.00% | Loans and Value (LTV) 85% |
Low APR *。 4.25% | Loans and Value (LTV) 90% |
Low APR *。 4.50% | Loans and Value (LTV) 95% |
Low APR *。 4.50% | Loans and Value (LTV) 100% |
To effectively finance your rental property construction, ADU financing requires a $0 down payment and offers 0 less than standard equity products.25% of the interest rate。
Tell us a little bit about you and your real estate financing needs。We will reach out to you and tell you how we can help。
As a full service credit union, we are a cooperative organization of members like you, and we know that by working together we can all benefit in our financial journey。
We are here to help our members and neighbors achieve their financial goals and live their best lives。
We believe that there is nothing more meaningful than serving our members and believing that one good change is worth another。
We not only meet your financial needs, but also promise to be your good neighbor and honest service。
1The maximum loan is $300,000 and the interest rate is 95 percent or higher。
2For HELOCs only, all transfer fees, except mortgage taxes and recording fees, will be paid by ACFCU。Transfer fees range from $700 to $1,600 for an equity loan of $100,000。If HELOC closes within three years, ACFCU will add any transfer fees paid for members to the member's outstanding balance。
* The annual interest rate is variable and may change with quarterly rate adjustments。The annual interest rate will not be lower than 3.75% and not more than 18%。Inapplicable circumstances and conditions apply。Interest charges apply only when you use the line。You need property insurance。The offer applies only to self-use, single-family residential properties located in Virginia, Maryland and Washington, D.C.。ACFCU must obtain a valid first or second lien on the collateral, and all owners must sign the document。All payments are applied to the lower balance first。All transfer fees, except mortgage taxes and recording fees, will be paid by ACFCU。Closing fees range from $700 to $1,600 based on an equity loan of $100,000。
Equal housing lender。Loans and membership requirements。Loan and membership requirements apply。Federal insurance is provided by NCUA。
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