Kaiperm Federal Credit Union : Home Equity Line of Credit

Home Equity Line of Credit

The EZ-Line Home Equity Line Of Credit (HELOC) gives you the opportunity to borrow against your home's accumulated equity without disturbing savings or other investments. Make home improvements, take that dream vacation, buy a new car, pay off education expenses! The funds may be used for any purpose, and may have tax advantages! * The HELOC has a Low Interest Rate and there are no loan advance fees, no initial cash advance requirement, **no annual fees or points.

Today's Rates***: APR: Terms:

Need easy access to funds in your EZ Line? Simply write a check. As your balance is paid off, you will gain access to additional funds. Allocate your Direct Deposit and enjoy effortless repayment.

Benefits

Low Rates
Access your funds via check or ICU
Interest may be tax-deductible*
Borrow up to $200,000 or in some cases up to 100% of the equity in your home

*Please consult a tax advisor for information on possible tax benefits.

**Note: Member pays title and escrow cost. Kaiperm finances owner-occupied, single-family units only, up to $200,000. All terms subject to change without prior notice. For more information, please call (510) 628-6019.

***This variable HELOC Rate is based upon credit rating, Loan To Value (LTV) of Property, and the Prime Rate as listed in The Wall Street Journal. Maximum APR is 18.0%. Closing costs vary dependent on county of residence and loan amount. Typical closing costs for a loan amount of $100,000.00 to $200,000.00 range from $1,500.00 to $2,000.00. Homeowner's insurance is required for funding of a Home Equity Line Of Credit.

How it Works
Payment amount will vary on APR, amount financed, and terms of loan. See Open End Loan Agreement for more information. To request a Home Equity Line of Credit packet, please Contact Us.