Home Equity Financing

APR = Annual Percentage Rate. APRs accurate as of 12/01/2024. Available as of 12/01/2024; subject to change or cancellation without notice.

1. The fixed APR which is 1.01% below Prime rate + a margin of 1.00% for the first 9-months for a non-owner-occupied home equity line up to $400,000 at 75%combined loan-to-value (CLTV); Non-Owner-Occupied California 1-4 residential real property only. After the promotional period ends, rates will vary based on WallStreet prime plus 1.00%. The variable APR cannot fall below 4.50% or increase above18.00% (variable rates). Minimum credit line of $10,000 required. All loans are subject to credit approval. No annual fee. Ask an UNCLE representative for more information. Other limitations may apply.

2. UNCLE Credit Union will pay closing costs up to $500. If the loan is paid off within 36 months of origination, borrower must reimburse third party fees paid by UNCLE CU to originate the line. Third party fees are estimated between $500 – $1,000.

3. If the borrower is charged a fee for paying off another lender’s home equity line of credit, UNCLE CU will pay up to $300 of the early payoff fee. UNCLE CU will not pay other fees or charges associated with closing the other equity line such as reconveyance fees, principal or interest payments or accrued late charges. Offer not valid on existing UNCLE CU Home Equity Lines of Credit.

NMLS ID Number is 729232. Equal Housing Lender.