Unlock your home's value.

Make an application for a home equity or line of credit

Please pick among the following alternatives:

Questions?

Speak to a local Member Service Representative

Call us: 888-777-9982

Email us: membersvc@patriotfcu.org!.?.! Leverage your home's worth with our home equity choices Your home is more than just a place to live. It's an important property that can help you attain your monetary goals. Our Home Equity Loans and Lines of Credit are created to provide you with flexible and budget-friendly financing choices, whether you're looking to remodel your home, combine debt, or fund major expenditures. Fixed Home Equity Loan If you're trying to find a clever way to fund home improvements, college, large purchases, or to consolidate greater rates of interest financial obligation, a fixed rate home equity loan may be the very best alternative for you. Great benefits, consisting of ...- Loans as much as 90 %of the equity in your home -One

lump-sum payment- Fixed rate of interest
for the life of the loan- Equal monthly payments in time- No prepayment charge Flex Equity Line of Credit Our Flex Equity Line of Credit offers you the very best of both worlds. You can

use it 2 methods for more versatility ... 1. A variable rate line of credit 2. You can take advantage of the alternative

to lock in a portion of your balance at a competitive fixed rate, term, and payment Our Flex Equity Line provides you the flexibility to use the equity in your house to have cash on hand when you require it. Plus, as you pay, the cash becomes offered once again in your line of credit. Other advantages consist of ... -12-month introductory rate -Payments based on the amount you borrow- Credit lines as much as 90%of the equity in your house -Competitively
low-interest rates- Easy payment
choices- Easy access to funds How it works ... -When you're authorized for a Flex Equity Line you have the option to draw on your credit line or lock in parts just like a fixed-rate, fixed-term loan -You can utilize money

from your Flex Equity Line for as much as 10 years -As you pay back the cash you have actually used, the cash appears once again on your credit line- You can lock in the rate for up to 4 parts of your credit line and pay them off with repaired month-to-month payments- The minimum line is $7,500.- The minimum total up to lock the rate is$ 5,000.- Each portion can be locked in for as much as 15 years Rates 1LTV= Loan to Value. 2Annual Percentage Rate( APR) shown is a fixed rate for an applicant with credit rating 735 or greater. Other rates offered for as much as 90% financing. Example:$ 20,000.00 loan, regular monthly payment will be $388.89 for
60 months at
6.24%. The minimum loan amount is$ 7,500.$ 99 origination fee will apply. Maryland property owners are responsible for Maryland government recordation tax, amounts differ per county and amount borrowed. Homeowners insurance coverage required. Rates might change without notice. All loans subject to credit approval. Rates effective since November 27, 2024. Find out more 5.99% 60 months 6.24% 6.49% 120 months 6.74% 6.99% Term 180 months 7.74 %1LTV =Loan To Value. 2Annual Percentage Rate (APR) revealed is for a candidate with a credit report 735 or greater. Other rates are available for as much as 90% funding. Rate based on the Wall Street Journal Prime Rate which was
7.50%

as of 12/19/2024. This is a
variable rate loan product and
your payment and rate

are subject to alter. Maximum
17% APR. No floor rate on this item. Monthly payments might range from 0.5. % to 1.50 %of the balance owed. Late payment fees of 5% of the monthly payment or$ 35.00 whichever is greater may apply.$ 7,500 minimum credit line.$ 99 origination cost will use. Maryland homeowners are accountable for Maryland federal government recordation tax, quantities differ per county and quantity borrowed. Homeowners insurance coverage needed. Rates might alter without notification. All loans based on credit approval. Rates efficient as of December 31, 2024. Discover more approximately 70 %7.24% 71-80 %7.49% LTV1 81-90% APR2 (as low as )8.24% Putting Money in Your Pocket for Less! Use Your Home's Equity For a minimal time, get a home equity loan at Patriot and pay no closing costs! Contact our mortgage team to discover more by calling 717-709-2580 or use online. You Might Also Be Interested In ... Financial Calculators Mortgage Refinance You need to use online, over the phone, or at one
of our branches
. You

can obtain up
to 90%

of the equity in your home.
A draw period is when you
can take an
advance from your credit line. From the

day it is scheduled, your line is

available for ten years to take advances from the line. After the 10-year draw duration will transform to a repayment-only status, it will be in payment only, and no more advances can
be taken. The repayment will be recalculated
to settle the balance over 15 years. On average, these loans take about 19 days from application to closing. However, with us, you might close in as
little as 7 days! Our streamlined process enables for quick approvals, pending important actions like appraisals and lien searches. We're here to make the journey to closing quickly and problem-free! See all FAQs Request a Home Equity Loan or Line of Credit Disclosures- * Introductory 4.99% Interest Rate( APR) works for the twelve months of the line of credit part. After the introductory period, the rate converts to the basic variable rate.

APR shown is for a candidate with a credit report 735 or greater. Other rates are available for approximately 100 %funding. Rate based on the Wall Street Journal Prime Rate which was 7.50% as of 12/19/2024. This is a variable rate loan item and your payment and rate go through alter. Maximum 17 %APR. No floor rate on this item. Monthly payments might

vary from 0.5.% to 1.50% of the balance
owed. Late payment
fees of 5% of the month-to-month payment or$ 35.00 whichever is higher might apply.$ 7,500 minimum credit line. $99 origination charge will use. Maryland homeowners are accountable for Maryland federal government recordation tax, quantities vary per county and amount obtained. Homeowners insurance coverage required. Rates may change without notice. All loans subject to credit approval.