1 8.219% APR (Annual Percentage Rate) and other terms shown are accurate, as of 06/21/2024. 每年的固定利率为8%.219% is available for 10-year second position home equity installment loans with loan-to-value (LTV) of 80% or less. Loan payment example: on a $50,000 loan for 120 months at 8.219% APR assuming no down payment, monthly payments would be $607.00. 贷款期限为10个, 15, or 20 years; however, the monthly payment amount may differ from the example used above based on the loan amount and loan term selected. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included and an initial customer deposit may be required if an escrow account for these Items is established. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Property insurance and the fee to release an existing mortgage may be required. Fixed rate home equity loans are not available in 1st lien position. Home Equity Loans and lines of credit are available on California primary residences only.
2 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 信用报告 from one or more 信用报告ing agencies. 这将是一个“硬”拉,可能会影响你的信用. 如果有必要的话, we may also share certain information about you with third parties, 比如我们的保险公司, 处理您的要求.
3 The minimum credit line amount is $10,000 and the maximum is $500,000. 帕特尔科信用合作社 will pay customary closing costs on lines up to $250,000(不包括ADU房屋净值信贷额度). If your Account is opened under the “No Closing Cost” loan program, there will be no lender fee and no charge for customary closing costs including: Automated Valuation Model (AVM) to determine property value, 出借人产权保险, courier, points, wire fees, notary, escrow fee, Patelco文件的记录, 洪水认证, 信用报告, 贷款发放, 或者是税务服务. Only these fees listed will be paid by 帕特尔科信用合作社 if the stated services are conducted through our preferred service providers. If conditions for the “No Closing Cost” program are not met, including the use of service providers associated with the program, then you will be responsible for any associated closing fees which will not be paid by 帕特尔科信用合作社. The “No Closing Cost” program does not include extraordinary items, including but not limited to the following: residential real estate appraisals, additional 信用报告s for the same loan transaction, grant deeds and any associated notary or recording fees, 错过评估预约或“差旅费”, 太阳能提升或终止, and any fees to close another account as the result of this Account. Borrower is responsible for closing costs on lines over $250,000. 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, or additional notary fees that may result from changes in title, 授予或公证任命.