{"id":2608,"date":"2019-09-09T03:59:39","date_gmt":"2019-09-09T03:59:39","guid":{"rendered":"http:\/\/54.234.42.41\/tcafcuorg-2\/?page_id=2608"},"modified":"2023-11-14T13:56:49","modified_gmt":"2023-11-14T19:56:49","slug":"home-equity-2","status":"publish","type":"page","link":"http:\/\/34.239.58.241\/tcafcu\/home-equity-2\/","title":{"rendered":"Home Equity"},"content":{"rendered":"<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-4580 size-full aligncenter\" src=\"http:\/\/34.239.58.241\/tcafcu\/wp-content\/uploads\/2023\/08\/TCAFCU-Home-Loan-Web-Banner-1400x400-72dpi-1.webp\" alt=\"\" width=\"1400\" height=\"400\" \/><\/p>\n<div class=\"links-container aligncenter\"><a class=\"btn\" href=\"http:\/\/34.239.58.241\/tcafcu\/s-a-f-e-act\/\">S.A.F.E. Act<\/a> \u00a0 <a class=\"btn\" href=\"http:\/\/34.239.58.241\/tcafcu\/tcafcu-payment-protection\/\" target=\"_blank\" rel=\"noopener noreferrer\">TCAFCU Payment Protection<span class=\"offscreen\"> (new window\/tab)<\/span><\/a> \u00a0 <a class=\"btn\" href=\"https:\/\/calc.professionalmanagedhosting.com\/calc\/calc_cu\/html\/calc-loan.html\" rel=\"noopener noreferrer\">Calculators<span class=\"offscreen\"> (new window\/tab)<\/span><\/a> \u00a0 <a class=\"btn\" href=\"http:\/\/34.239.58.241\/tcafcu\/mortgages\/\" rel=\"noopener noreferrer\">First Mortgage Loans<span class=\"offscreen\"> (new window\/tab)<\/span><\/a><\/div>\n<h3>Are you taking advantage of your home\u2019s value?<br \/>\nMake the most of owning a home with a TCAFCU Home Equity Loan!<\/h3>\n<p>Your home holds so much financial potential. It\u2019s time to explore what its equity can do for you. With a home equity loan, you can take care of a variety of expenses, from renovation projects to tuition costs.<\/p>\n<h3>Our Home Equity Loan sets itself apart by offering:<\/h3>\n<ul>\n<li>Flexible terms up to 240 months<\/li>\n<li>Up to 90% LTV<\/li>\n<li>Possible tax benefits (Please consult a tax advisor.)<\/li>\n<\/ul>\n<table style=\"width: 100%; height: 264px;\">\n<caption>Home Equity Loans 80% LTV<\/caption>\n<thead>\n<tr style=\"height: 48px;\">\n<th style=\"text-align: left; width: 33%; height: 48px;\">Home Equity Loans 80% LTV<\/th>\n<th style=\"text-align: left; width: 33%; height: 48px;\">*APR as low as (Primary Residence)<\/th>\n<th style=\"text-align: left; width: 33%; height: 48px;\">*APR as low as (Investment)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"text-align: left; height: 24px; width: 33%;\">0 to 36 Months<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">6.00%<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">9.75%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"text-align: left; height: 24px; width: 33%;\">37 to 72 Months<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">6.25%<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">10.00%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"text-align: left; height: 24px; width: 33%;\">73 to 120 Months<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">6.75%<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">10.75%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"text-align: left; height: 24px; width: 33%;\">121 to 180 Months<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">7.25%<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">11.00%<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"text-align: left; height: 24px; width: 33%;\">181 to 240 Months<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">7.75%<\/td>\n<td style=\"text-align: left; height: 24px; width: 33%;\">N\/A<\/td>\n<\/tr>\n<tr style=\"height: 96px;\">\n<td style=\"text-align: left; height: 96px; width: 99%;\" colspan=\"3\">*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered. Actual Annual Percentage Rate (APR) may vary based on creditworthiness, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $10,000 for 240 months at a rate of 7.75% APR is a monthly payment of $82.09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table>\n<caption>Home Equity Loans 90% LTV<\/caption>\n<thead>\n<tr>\n<th style=\"text-align: left; width: 33%;\">Term<\/th>\n<th style=\"text-align: left; width: 33%;\">*APR as low as<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\">0 to 36 Months<\/td>\n<td style=\"text-align: left;\">7.00%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">37 to 72 Months<\/td>\n<td style=\"text-align: left;\">7.25%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">73 to 120 Months<\/td>\n<td style=\"text-align: left;\">7.75%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">121 to 180 Months<\/td>\n<td style=\"text-align: left;\">8.25%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">181 &#8211; 240 Months<\/td>\n<td style=\"text-align: left;\">8.75%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" colspan=\"2\">APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered. Actual Annual Percentage Rate (APR) may vary based on creditworthiness, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Loan Payment Example: $10,000 for 240 months at a rate of 8.75% APR is a monthly payment of $88.37<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Home Equity Line of Credit<\/h3>\n<ul>\n<li>Variable rate line of credit<\/li>\n<li>Ability to draw cash as needed<\/li>\n<li>Possible tax benefits <em>(Consult a tax advisor)<\/em><\/li>\n<\/ul>\n<table>\n<caption>Home Equity Line of Credit<\/caption>\n<thead>\n<tr>\n<th style=\"text-align: left; width: 33%;\">Home Equity Line of Credit<\/th>\n<th style=\"text-align: left; width: 33%;\">*APR as low as (Primary Residence)<\/th>\n<th style=\"text-align: left; width: 33%;\">*APR as low as (Investment)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\">Home Equity Line of Credit \u2013 80% LTV<\/td>\n<td style=\"text-align: left;\">7.75%<\/td>\n<td style=\"text-align: left;\">8.75%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Home Equity Line of Credit \u2013 90% LTV<\/td>\n<td style=\"text-align: left;\">8.75%<\/td>\n<td style=\"text-align: left;\">NA<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" colspan=\"3\">The Home Equity Line of Credit has a variable rate feature and the Annual Percentage Rate (APR) and the monthly minimum payment can change as a result. This variable rate is based on prime and can change quarterly. Your rate will not be less than 4% APR (floor rate) or greater than 18% APR (maximum allowed by law). The minimum monthly payment is $100.00.\u00a0 Actual Annual Percentage Rate (APR) is based on an index and may vary according to creditworthiness, loan-to-value and terms of the loan.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a class=\"btn content-btn\" href=\"https:\/\/app.loanspq.com\/he\/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaDyjXVv6w5nYzY7WYZK3UeacyrdFw8EzXE85_7X_vop3YXBE6dVXfmpI5mCokmxOoVw\">Apply Now<\/a><\/p>\n<p><em>Need to get a payment here fast? We now accept payments by credit card!\u00a0 For more information, contact a Lending Specialist at 610.326.3705, option 5<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>S.A.F.E. Act \u00a0 TCAFCU Payment Protection (new window\/tab) \u00a0 Calculators (new window\/tab) \u00a0 First Mortgage Loans (new window\/tab) Are you taking advantage of your home\u2019s value? Make the most of owning a home with a TCAFCU Home Equity Loan! Your home holds so much financial potential. It\u2019s time to explore what its equity can do [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mc_calendar":[],"_links_to":"","_links_to_target":""},"_links":{"self":[{"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/pages\/2608"}],"collection":[{"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/comments?post=2608"}],"version-history":[{"count":5,"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/pages\/2608\/revisions"}],"predecessor-version":[{"id":8224,"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/pages\/2608\/revisions\/8224"}],"wp:attachment":[{"href":"http:\/\/34.239.58.241\/tcafcu\/wp-json\/wp\/v2\/media?parent=2608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}