1 Home Equity loans and lines of credit are available on California primary residences only. 9.00% APR (annual percentage rate) and other terms shown are accurate as of 05/17/2024 and apply to a HELOC for the most qualified applicant at CLTV up to 80%. 并不是所有的申请人都有资格享受最低利率. 费率因物业价值而异, 行量等因素, 第二套或度假屋的价格会有所不同. The minimum periodic payment is interest-only for the first ten years (“draw period”) followed by fully-amortizing payments to repay the balance over the final fifteen years. 在还款期间，恕不提款. 付款和利率可以按月调整. 如果利率上升，支付金额也会增加. 在抽签期结束时, your required monthly payments will increase because you will be paying both principal and interest. 汇率是用指数加保证金计算的. The index used is the Prime Rate as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. 当前质数指数是8.50%. Minimum interest rate is 3%. 最高利率为17%.
2 费率和付款是基于Prime加上保证金. 对Prime的更改将导致费率和付款的更改. After your loan closes, you have the option to lock in a portion or all of your existing equity balance on your new Patelco Home Equity Line of Credit into a fixed rate at 10 or 15 years. 费率可能会有所不同，并可能发生变化. You may only have one fixed-rate option on either all or a portion of your balance at a time. Your fixed rate balance will reduce the amount of available credit for future draws on your equity line. Any future draws will be at the variable rate and payment in effect on your loan at the time of the draw. You will receive a separate statement and make separate principal and interest payments for the fixed-rate portion of your balance. 固定利率期权的最长期限为15年. 可能会有其他限制.
3 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. 这不会影响你的信用评分. 如果您选择继续进行贷款申请, Patelco will request your full credit report from one or more credit reporting agencies. 这将是一个“硬”拉，可能会影响你的信用. If necessary, 我们也可能与第三方分享您的某些信息, like our insurers, to process your request.
4 0.贷款资金后可获得50%的HELOC利率折扣. Meet and maintain ongoing discount eligibility with set up of automatic loan payments and monthly recurring deposits of $500 into a Patelco account. 附加条件可能适用. 请向房屋贷款顾问咨询更多细节.
5 最低信用额度为1万美元，最高为50万美元. Patelco Credit Union will pay customary closing costs on lines up to $250,000(不包括ADU房屋净值信贷额度). 如果您的帐户是在“无结算成本”贷款计划下开立的, there will be no lender fee and no charge for customary closing costs including: Automated Valuation Model (AVM) to determine property value, Lender’s title insurance, courier, points, wire fees, notary, escrow fee, Patelco文件的记录, flood certification, credit report, loan origination, or tax service. Only these fees listed will be paid by Patelco Credit Union if the stated services are conducted through our preferred service providers. 如果不符合“无交割成本”计划的条件, 包括使用与该计划相关的服务提供商, then you will be responsible for any associated closing fees which will not be paid by Patelco Credit Union. “无交割成本”计划不包括特别项目, including but not limited to the following: residential real estate appraisals, 同一贷款交易的附加信用报告, 授予契约和任何相关的公证费或记录费, 错过评估预约或“差旅费”, solar lift or termination, 以及因本帐户而关闭另一个帐户的任何费用. 借款人负责超过25万美元的成交费用. 成交费用从0美元到2500美元不等. 此报价不包括托管或录音费用, 或因所有权变更而产生的额外公证费, 授予或公证任命.
Read the HELOC Program Disclosure.
