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Request a home equity or credit line

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Call us: 888-777-9982

Email us: membersvc@patriotfcu.org!.?.! Leverage your home's worth with our home equity options Your home is more than just a place to live. It's an important property that can assist you accomplish your monetary objectives. Our Home Equity Loans and Lines of Credit are created to supply you with versatile and economical financing choices, whether you're looking to refurbish your home, consolidate debt, or fund major costs. Fixed Home Equity Loan If you're looking for a wise method to finance home enhancements, college, big purchases, or to combine higher interest rate debt, a set rate home equity loan might be the very best choice for you. Great advantages, including ...- Loans approximately 90 %of the equity in your home -One

lump-sum payout- Fixed rates of interest
for the life of the loan- Equal regular monthly payments over time- No prepayment charge Flex Equity Line of Credit Our Flex Equity Line of Credit gives you the very best of both worlds. You can

use it two ways for more versatility ... 1. A variable rate credit line 2. You can make the most of the choice

to secure a portion of your balance at a competitive fixed rate, term, and payment Our Flex Equity Line gives you the flexibility to utilize the equity in your home to have cash on hand when you need it. Plus, as you make payments, the cash becomes offered once again in your line of credit. Other benefits consist of ... -12-month initial rate -Payments based on the amount you obtain- Credit limit up to 90%of the equity in your house -Competitively
low-interest rates- Easy payment
options- Easy access to funds How it works ... -When you're authorized for a Flex Equity Line you have the option to draw on your credit line or lock in parts similar to a fixed-rate, fixed-term loan -You can utilize cash

from your Flex Equity Line for as much as ten years -As you pay back the cash you've utilized, the cash ends up being offered again on your credit line- You can lock in the rate for approximately 4 portions of your credit line and pay them off with fixed monthly payments- The minimum line is 7,500.- The minimum total up to lock the rate is 5,000.- Each part can be locked in for as much as 15 years Rates 1LTV= Loan to Value. 2Annual Percentage Rate( APR) revealed is a fixed rate for a candidate with credit ratings 735 or higher. Other rates offered for as much as 90% funding. Example:$ 20,000.00 loan, month-to-month payment will be $388.89 for
60 months at
6.24%. The minimum loan quantity is$ 7,500.$ 99 origination cost will use. Maryland house owners are accountable for Maryland government recordation tax, quantities differ per county and quantity borrowed. Homeowners insurance coverage required. Rates might change without notification. All loans subject to credit approval. Rates effective as of November 27, 2024. Find out more 5.99% 60 months 6.24% 6.49% 120 months 6.74% 6.99% Term 180 months 7.74 %1LTV =Loan To Value. 2Annual Percentage Rate (APR) revealed is for an applicant with a credit report 735 or higher. Other rates are available for up to 90% funding. Rate based upon the Wall Street Journal Prime Rate which was
7.50%

as of 12/19/2024. This is a
variable rate loan item and
your payment and rate

are subject to change. Maximum
17% APR. No flooring rate on this product. Monthly payments might range from 0.5. % to 1.50 %of the balance owed. Late payment costs of 5% of the monthly payment or$ 35.00 whichever is greater may use. 7,500 minimum credit line. 99 origination charge will apply. Maryland house owners are accountable for Maryland federal government recordation tax, quantities vary per county and quantity obtained. Homeowners insurance . Rates might change without notice. All loans based on credit approval. Rates reliable since December 31, 2024. Discover more up to 70 %7.24% 71-80 %7.49% LTV1 81-90% APR2 (as low as )8.24% Putting Money in Your Pocket for Less! Use Your Home's Equity For a restricted time, get a home equity loan at Patriot and pay no closing costs! Contact our mortgage group for more information by calling 717-709-2580 or apply online. You Might Also Be Interested In ... Financial Calculators Mortgage Refinance You need to use online, over the phone, or at one
of our branches
. You

can borrow up
to 90%

of the equity in your home.
A draw duration is when you
can take an
advance from your credit line. From the

day it is scheduled, your line is

readily available for ten years to take advances from the line. After the 10-year draw period will convert to a repayment-only status, it will be in repayment just, and say goodbye to advances can
be taken. The repayment will be recalculated
to pay off the balance over 15 years. On average, these loans take about 19 days from application to closing. However, with us, you might close in as
little as 7 days! Our structured process permits quick approvals, pending essential steps like appraisals and lien searches. We're here to make the journey to closing quickly and hassle-free! See all FAQs Get a Home Equity Loan or Credit Line Disclosures- * Introductory 4.99% Annual Percentage Rate( APR) is efficient for the preliminary twelve months of the line of credit portion. After the introductory period, the rate transforms to the basic variable rate.

APR revealed is for a candidate with a credit history 735 or higher. Other rates are available for as much as 100 %financing. Rate based on the Wall Street Journal Prime Rate which was 7.50% as of 12/19/2024. This is a variable rate loan product and your payment and rate undergo alter. Maximum 17 %APR. No floor rate on this item. Monthly payments might

vary from 0.5.% to 1.50% of the balance
owed. Late payment
costs of 5% of the month-to-month payment or$ 35.00 whichever is greater might apply.$ 7,500 minimum credit line. $99 origination fee will use. Maryland house owners are responsible for Maryland government recordation tax, amounts differ per county and quantity obtained. Homeowners insurance required. Rates might change without notice. All loans based on credit approval.