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Home Equity Loans

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The American Dream...Powered by Your Partners at HEFCU

Tapping into the equity in your home can be an advantageous way to obtain funds for a large expense; such has home renovations, debt consolidation or medical expenses. In addition, interest paid on your loan may be tax deductible (please consult your tax advisor).

Members can now dream big and borrow more with home equity loans up to 100% of the equity in your home!

We have two Home Equity options to meet a variety of needs. Home Equity Loans are available for owner-occupied residences and second homes* and have no pre-payment penalty*. Plus, there are NO application fees or closing costs for loans of $25,000 or more.

View Rates Apply Online
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Fixed Home Equity Loan

  • Borrow up to 100% of your home's equity up to $500,000
  • Fixed rate with terms from 5 to 20 years available
  • 0.25% Loan Loyalty discount available for members with a current HEFCU loan in good standing and/or a HEFCU loan paid within the past 18 months
  • Debt Protection with Life Plus coverage available
Apply Online

*A reimbursement fee (to cover third party costs we paid on your behalf) will be assessed if you pay the loan in full within 36 months of the loan date and fee was waived at time of application as a benefit.

*Financing for second homes is available to a maxiumum LTV of 75%. Please contact the credit union directly for rates.

Call our loan department at (609) 951-0700, option 3, for further details.

The Consumer Financial Protection Bureau (CFPB) also have resources available to homeowners. Visit the CFPB site (new window/tab).

Mortgage Loan Originator: Yi G Chen, NMLS# 2395997
Mortgage Loan Originator: Alem Muslic, NMLS# 1042540
Mortgage Loan Originator: Priyanka Sethi, NMLS# 2023056

Federal Institution Account #422958
NMLS Consumer Access Website: www.nmlsconsumeraccess.com (new window/tab)

Members can now dream big and borrow more with home equity loans up to 100% of the equity in your home!

We have two Home Equity options to meet a variety of needs. Home Equity Loans are available for owner-occupied residences and second homes* and have no pre-payment penalty*. Plus, there are NO application fees or closing costs for loans of $25,000 or more.

View Rates Apply Online
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First Lien Fixed Home Equity Loan

  • Pay off your existing mortgage from another lender through this Express Refinance Home Equity Loan
  • Borrow up to 80% of your home's equity (market value less mortgage balance), up to $500,000
  • Fixed-rate loan wtih terms from 5 to 15 years available
  • 0.25% Loan Loyalty discount available for members with a current HEFCU loan in good standing and/or a HEFCU loan paid within the past 18 months
  • Debt Protection with Life Plus coverage available
Apply Online

*A reimbursement fee (to cover third party costs we paid on your behalf) will be assessed if you pay the loan in full within 36 months of the loan date and fee was waived at time of application as a benefit.

*Financing for second homes is available to a maxiumum LTV of 75%. Please contact the credit union directly for rates.

Call our loan department at (609) 951-0700, option 3, for further details.

The Consumer Financial Protection Bureau (CFPB) also have resources available to homeowners. Visit the CFPB site (new window/tab).

Mortgage Loan Originator: Yi G Chen, NMLS# 2395997
Mortgage Loan Originator: Alem Muslic, NMLS# 1042540
Mortgage Loan Originator: Priyanka Sethi, NMLS# 2023056

Federal Institution Account #422958
NMLS Consumer Access Website: www.nmlsconsumeraccess.com (new window/tab)

A Home Equity Line of Credit (also known as a HELOC) is a great way to ensure you have cash on hand, if and when the need arises. You can borrow against your available line of credit as needed, and only pay interest on the balance you have withdrawn.

Because you're borrowing against the equity in your home, it offers rates much lower than traditional revolving lines of credit, but with the same flexibility. Interest paid on your loan may also be tax deductible (please consult your tax advisor).

  • Borrow up to 100% of your home's equity (market value less mortgage balance)
  • Credit Limits from $15,000 to $500,000 available, with a 15-year term
  • Draw funds from your line of credit as you need them during the first 5 years (known as the draw period)
  • Easily take an advance on your credit line by transferring within online or mobile banking, Call24 or by contacting the credit union.
  • Debt Protection with Life Plus coverage available
  • NO application fees or closing costs for loans of $25,000 or more
  • NO prepayment penalty*
View Rates Apply Online

HELOC's available for owner-occupied residences and second residences.*

*A reimbursement fee (to cover third party costs we paid on your behalf) will be assessed if you pay the loan in full within 36 months of the loan date and fee was waived at time of application as a benefit.

*Financing for second homes is available to a maximum LTV of 75%. Please contact the credit union directly for rates.

Call our loan department at (609) 951-0700, option 3, for further details.

The Consumer Financial Protection Bureau (CFPB) also have resources available to homeowners. Visit the CFPB site (new window/tab)

Mortgage Loan Originator: Yi G Chen, NMLS# 2395997
Mortgage Loan Originator: Alem Muslic, NMLS# 1042540
Mortgage Loan Originator: Priyanka Sethi, NMLS# 2023056

Federal Institution Account #422958
NMLS Consumer Access Website: www.nmlsconsumeraccess.com (new window/tab)

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