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Call us: 888-777-9982

Email us: membersvc@patriotfcu.org!.?.! Leverage your home's value with our home equity choices Your home is more than simply a place to live. It's a valuable property that can assist you accomplish your monetary objectives. Our Home Equity Loans and Lines of Credit are created to offer you with flexible and budget-friendly funding choices, whether you're aiming to refurbish your home, consolidate financial obligation, or fund significant expenses. Fixed Home Equity Loan If you're looking for a clever way to finance home enhancements, greater education, large purchases, or to combine greater rate of interest financial obligation, a fixed rate home equity loan may be the best alternative for you. Great advantages, consisting of ...- Loans approximately 90 %of the equity in your house -One

lump-sum payment- Fixed rates of interest

for the life of the loan- Equal monthly payments gradually- No prepayment charge Flex Equity Credit Line Our
Flex Equity Line of Credit offers you the finest of both worlds. You can

use it 2 methods for more versatility ... 1. A variable rate line of credit 2. You can benefit from the option

to lock in a part of your balance at a competitive fixed rate, term, and payment Our Flex Equity Line gives you the versatility to use the equity in your home to have money on hand when you require it. Plus, as you pay, the cash ends up being available again in your credit line. Other benefits include ... -12-month initial rate -Payments based upon the quantity you borrow- Line of credit as much as 90%of the equity in your home -Competitively

low-interest rates- Easy payment

choices- Easy access to funds How
it works ... -When you're approved for a Flex Equity Line you have the choice to draw on your credit line or lock in portions similar to a fixed-rate, fixed-term loan -You can use cash

from your Flex Equity Line for up to ten years -As you repay the cash you have actually utilized, the cash ends up being available again on your credit line- You can secure the rate for as much as 4 parts 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 portion can be locked in for as much as 15 years Rates 1LTV= Loan to Value. 2Annual Percentage Rate( APR) revealed is a set rate for a candidate with credit report 735 or higher. Other rates offered for up to 90% financing.
Example:$ 20,000.00 loan, monthly payment will be $388.89 for

60 months at

6.24%.
The minimum loan amount is$ 7,500.$ 99 origination fee will use. Maryland house owners are responsible for Maryland government recordation tax, amounts vary per county and quantity obtained. Homeowners insurance needed. Rates may change without notice. All loans subject to credit approval. Rates effective since November 27, 2024. Discover 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) shown is for a candidate with a credit rating 735 or higher. Other rates are readily available for as much as 90% 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

go through change. Maximum

17% APR.
No floor rate on this item. Monthly payments may vary from 0.5. % to 1.50 %of the balance owed. Late payment costs of 5% of the monthly payment or$ 35.00 whichever is higher may apply.$ 7,500 minimum credit line.$ 99 origination charge will apply. Maryland house owners are responsible for Maryland government recordation tax, amounts vary per county and quantity obtained. Homeowners insurance required. Rates might change without notification. All loans subject to credit approval. Rates efficient as of December 31, 2024. Find out more as much as 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 team to get more information by calling 717-709-2580 or apply online. You Might Also Be Interested In ... Financial Calculators Mortgage Refinance You must apply online, over the phone, or at one

of our branches

. You

can obtain 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

available for 10 years to take advances from the line. After the 10-year draw period will transform to a repayment-only status, it will remain in payment only, and say goodbye to advances can

be taken. The payment will be recalculated

to settle the balance over 15 years. Usually, these loans take about 19 days from application to closing. However, with us, you could close in as

little as 7 days! Our structured procedure enables quick approvals, pending necessary actions like appraisals and lien searches. We're here to make the journey to closing quick and hassle-free! See all FAQs Get a Home Equity Loan or Line of Credit Disclosures- * Introductory 4.99% Interest Rate( APR) is effective for the preliminary twelve months of the line of credit portion. After the initial duration, the rate converts to the standard variable rate.

APR revealed is for an applicant with a credit report 735 or greater. Other rates are offered for approximately 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 are subject to alter. Maximum 17 %APR. No floor rate on this product. Monthly payments may

vary from 0.5.% to 1.50% of the balance

owed. Late payment

charges of 5% of the month-to-month payment or$ 35.00 whichever is greater may use.$ 7,500 minimum credit line. $99 origination cost will use. Maryland homeowners are accountable for Maryland government recordation tax, amounts vary per county and quantity obtained. Homeowners insurance coverage required. Rates may alter without notification. All loans subject to credit approval.