overseas-realestate

Unlock your home's worth.

Request a home equity or line of credit

Please choose among the following alternatives:

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Talk to a local Member Service Representative

Call us: 888-777-9982

Email us: membersvc@patriotfcu.org!.?.! Leverage your home's value with our home equity options Your home is more than just a place to live. It's a valuable asset that can assist you achieve your financial goals. Our Home Equity Loans and Lines of Credit are designed to supply you with flexible and cost effective funding alternatives, whether you're wanting to renovate your home, consolidate financial obligation, or fund major expenses. Fixed Home Equity Loan If you're trying to find a wise way to finance home enhancements, greater education, big purchases, or to combine greater interest rate financial obligation, a set rate home equity loan may be the best option for you. Great benefits, consisting of ...- Loans approximately 90 %of the equity in your home -One

lump-sum payment- Fixed rates of interest
for the life of the loan- Equal regular monthly payments in time- No prepayment penalty Flex Equity Line of Credit Our Flex Equity Line of Credit offers you the very best of both worlds. You can

use it 2 ways for more flexibility ... 1. A variable rate credit line 2. You can take advantage of the choice

to lock in a portion of your balance at a competitive set rate, term, and payment Our Flex Equity Line gives you the flexibility to use the equity in your house to have cash on hand when you need it. Plus, as you pay, the cash appears once again in your credit line. Other advantages include ... -12-month introductory rate -Payments based on the amount you borrow- Line of credit as much as 90%of the equity in your house -Competitively
low-interest rates- Easy payment
choices- Easy access to funds How it works ... -When you're authorized for a Flex Equity Line you have the option to draw on your line of credit or lock in portions much like a fixed-rate, fixed-term loan -You can utilize money

from your Flex Equity Line for as much as ten years -As you pay back the cash you've utilized, the money ends up being readily available once again on your credit line- You can lock in the rate for approximately 4 parts of your line of credit and pay them off with repaired regular monthly payments- The minimum line is 7,500.- The minimum quantity to lock the rate is 5,000.- Each portion can be secured for up to 15 years Rates 1LTV= Loan to Value. 2Annual Percentage Rate( APR) shown is a set rate for an applicant with credit ratings 735 or higher. Other rates readily available for as much as 90% funding. 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 apply. Maryland house owners are accountable for Maryland government recordation tax, quantities vary per county and quantity borrowed. Homeowners insurance coverage required. Rates may alter without notification. All loans subject to credit approval. Rates efficient 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. 2 Rate (APR) shown is for an applicant with a credit report 735 or higher. Other rates are offered for approximately 90% funding. Rate based on 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 floor rate on this item. Monthly payments may range from 0.5. % to 1.50 %of the balance owed. Late payment costs of 5% of the regular monthly payment or$ 35.00 whichever is greater may apply.$ 7,500 minimum line of credit.$ 99 origination fee will use. Maryland house owners are accountable for Maryland government recordation tax, quantities differ per county and amount obtained. Homeowners insurance coverage needed. Rates might alter without notice. All loans subject to credit approval. Rates effective as of 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 team for more information by calling 717-709-2580 or use 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 obtain up
to 90%

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

day it is reserved, your line is

offered for ten years to take advances from the line. After the 10-year draw period will convert to a repayment-only status, it will remain in repayment just, and no more advances can
be taken. The repayment will be recalculated
to pay off the balance over 15 years. Typically, these loans take about 19 days from application to closing. However, with us, you could close in as
little as 7 days! Our streamlined process enables fast approvals, pending vital actions like appraisals and lien searches. We're here to make the journey to closing quick and problem-free! See all FAQs Get a Home Equity Loan or Credit Line Disclosures- * Introductory 4.99% Interest Rate( APR) works for the initial twelve months of the line of credit part. After the initial duration, the rate converts to the basic variable rate.

APR revealed is for a candidate with a credit history 735 or higher. Other rates are readily available for up to 100 %funding. 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 item. Monthly payments might

range from 0.5.% to 1.50% of the balance
owed. Late payment
costs of 5% of the regular monthly payment or$ 35.00 whichever is higher may apply.$ 7,500 minimum line of credit. $99 origination charge will use. Maryland house owners are accountable for Maryland government recordation tax, quantities differ per county and quantity borrowed. Homeowners insurance coverage needed. Rates may change without notice. All loans subject to credit approval.