Real Estate Loans Home Equity Line of Credit (Variable Rate) Your Credit Union's home equity line of credit is smart borrowing! You can use it to finance home improvements, high school or college tuition, purchase a new car, take a vacation or consolidate your bills. Whatever your needs, you'll enjoy easy access to your available funds and benefit from competitive rates. With a home equity line of credit, you can borrow up to 80% of the market value of your property less any first mortgage, and you have 15 years to repay the loan. This rate is variable and can change quarterly, yet we guarantee your rate will never be 5% more than the day you got the loan. Applying for a home equity loan is easy. To request an application, simply E-mail us today. Equity limits and underwriting requirements may vary by state. Home equity lines of credit are available to all members except residents of Texas. Due to geographic limitations, these loans are not available to members not living near a branch office. Choice Home Equity Loan Borrow up to 100% of the equity in your home with the Choice Home Equity Loan. It's ideal for achieving your goals and making your dreams reality! You'll enjoy competitive rates, flexible terms including 5, 7, 10 and 15 years, plus 100% tax deductibility on your interest paid (consult your tax advisor). Applying for a home equity loan is easy. To request an application, simply E-mail us today. Equity limits and underwriting requirements may vary by state. Due to geographic limitations, these loans are not available to members not living near a branch office. First Mortgages We offer fixed rate and adjustable rate mortgages at competitive rates. Our professional real estate counselors will assist you with your home mortgage loan needs. For additional information, contact your local Credit Union representative or phone (800)325-9905 ext. 754 or 755, Mon - Fri from 8am - 5pm, Central Standard Time. Or, click here to apply online. Purchasing your own home can be one of the most important ventures you will undertake. While your Credit Union is here to help you with the financing of your purchase, below are a few helpful Web sites to help you along the way: Realtor Information Network for Consumers American Real Estate Magazine Today's Properties Homes - Internet Magazine Many realtors have Web sites as well. Be sure to check a search engine, such as Yahoo, for your local area realtors and their listings.

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