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房屋净值贷款 and 信贷额度 (HELOC)

Take advantage of your biggest investment.

开放式信贷额度

HELOC

Flexibility to access your equity as you need it

固定利率第二按揭

房屋净值贷款

Cover immediate financial needs

短期信贷额度

ADU HELOC

For large home remodels or accessory units (ADU)

比较 options for accessing your equity

HELOC

房屋净值贷款

ADU HELOC

贷款类型 循环信贷额度 第二抵押贷款 Short-term revolving line of credit
最适合用于 Upcoming or future home improvements, debt consolidation, emergencies Upcoming home improvements/repairs or debt consolidation 首页 renovations and additions (ADU)
4 最高50万 最高50万 高达40万
条款 25年 10年、15年或20年 22年
利率 变量5 固定 变量5
关闭成本 $0(行数不超过250,000)6 No 是的
每月的费用 $0 $0 $50 -$100 during construction period only
访问基金 At closing or anytime for up to 10 years 一次结束 Disbursed throughout construction period (up to 2 years)
付款 10年期只付息
15-year principal and interest
固定 principal and interest payments throughout loan 2年的利息
20-year principal and interest
关键的区别 根据需要快速获取现金 Immediate financial needs with set amount and fixed payments Allows you to borrow up to 125% of your home's current value

Your home’s equity – there for what you need most

灵活的费率,低成本

固定 and variable-rate options with monthly payments only on what you use

获得你需要的现金

Borrow what you need now or once you’re ready

即时资格预审

Check your rate before you apply with no impact to your credit7

简单的应用程序

Apply online within minutes or connect with a 置业贷款顾问 寻求建议

没有费用,没有噱头

No application fee, no pre-payment penalty, and no annual fee

无尽的可能性

Use for home improvements, debt consolidation, ADUs and more

Here to help you take the next step

我们的 置业贷款顾问 are specialized in providing home loan expertise and advice to help you find the right option for your short and long-term goals. Not sure which type of equity loan is right for you? Schedule a complimentary consultation today.

找一个顾问 Here to help you take the next step

房屋净值常见问题

  • Your home’s equity is the difference between how much you owe on your home and the amount it’s worth. For example, if your home is worth $900,000 and you owe $600,000, you have built $300,000 in equity. You may be able to borrow between 80 –90% of your available equity.

    When you get a home equity loan, you receive a lump sum of cash up front. You repay the loan over time with fixed monthly payments. Most home equity loans have a fixed interest rate, where each monthly payment reduces your loan balance and covers some interest costs.
    With a HELOC, on the other hand, there’s no lump sum up front. 而不是, there’s a maximum amount available for you to borrow — the line of credit, which you can borrow from as long as the line of credit is open.
    在ADU HELOC上, funds are using to finance your project (home remodel or ADU), 而且这个期限要短得多.

    A home equity loan or line of credit (HELOC) provides access to larger loan amounts than you may otherwise be unable to get, thanks to using your home as collateral. Additionally, the interest rate is typically less than on 个人贷款.
    Finally, there may also be tax advantages to a HELOC (talk to your tax advisor for details).
    You should be aware that you must immediately pay off this type of debt if you sell your home, just like you must pay off your first mortgage (if you have one). Additionally, your home could be foreclosed if you don’t pay the loan. That’s because your home is the collateral (the guarantee) for the loan.

    Due to their low rates and flexible borrowing options, home equity lines and loans are often more affordable than other types of loans. You can use your loan or line to cover the cost of immediate or future expenses, such as home improvements (big or small), 高利率的债务, to add an accessory dwelling unit (ADU) to your home, 或者其他大宗采购.

    At this time, Patelco does not offer HELOCs for rental properties – only for primary residences. However, if you need to access cash for specific needs, you may want to explore our 个人贷款.

1 9.4月00% (annual percentage rate) and other terms shown are accurate as of 06/07/2024 and apply to a HELOC for the most qualified applicant at CLTV up to 80%. Not all applicants will qualify for the lowest rate. 利率 vary based on property value, 行量等因素, and will vary for second or vacation homes. The minimum periodic payment is interest-only for the first ten years (“draw period”) followed by fully-amortizing payments to repay the balance over the final fifteen years. No draws will be allowed during the repayment period. 付款s and rate can adjust monthly. 付款s will increase if rates increase. 在抽签期结束时, your required monthly payments will increase because you will be paying both principal and interest. The rate is calculated using an index plus a margin. The index used is the Prime 率 as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. 当前质数指数是8.50. 最低利率是3%. 最高利率为17%.

2 8.4月219% (Annual Percentage 率) and other terms shown are accurate, as of 06/07/2024. The fixed Annual Percentage 率 of 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: loan for 120 months at 8.4月219% 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. 付款 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. 利率s and program terms are subject to change without notice. Property insurance and the fee to release an existing mortgage may be required. 固定 rate home equity loans are not available in 1st lien position. 房屋净值贷款 and lines of credit are available on California primary residences only.

3 房屋净值 loans and lines of credit are available on California properties only. 10.4月00% (annual percentage rate) and other terms shown are accurate as of 06/07/2024 and apply to an ADU HELOC for the most qualified applicant at CLTV up to 125%. Not all applicants will qualify for the lowest rate. Eligible on primary residences only. 利率 vary based on property value, credit score, 行量等因素. The minimum periodic payment is interest-only for the first two years (“draw period”) followed by fully-amortizing payments to repay the balance over the final twenty years. No draws will be allowed during the repayment period. 付款s and rate can adjust monthly. 付款s will increase if rates increase. 在抽签期结束时, your required monthly payments will increase because you will be paying both principal and interest. The rate is calculated using an index plus a margin. The index used is the Prime 率 as published in The Wall Street Journal Western Edition on the last business day of the month prior to the change. 当前质数指数是8.50%. 最低利率是3%. 最高利率为17%.

4  May vary depending on current appraised value, creditworthiness and existing liens on property.

5 率 and payments are based on Prime plus a margin. Changes to Prime will result in changes to the rate and payment.

6 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 (excludes ADU 房屋净值 Line of 信贷). 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: 汽车mated Valuation Model (AVM) to determine property value, 出借人所有权保险, 快递, 点, 线的费用, 公证, 托管费用, 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 公证 or recording fees, missed appraisal appointments or “trip charges”, 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 over $250,000. 关闭成本 range from $0 to $2,500. This offer does not include escrow or recording fees, or additional 公证 fees that may result from changes in title, 授予或公证任命.

7 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco will request your full 信用报告 from one or more 信用报告ing agencies. This will be a “hard” pull and may affect your credit. 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.

读了 HELOC项目披露.

读了 ADU HELOC计划披露.

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