Real Estate Loans

Buying a home is a big step for many people, and at allU.S. Credit Union, our Mortgage Consultants are here to help. We will help you find the home loan that best meets your needs. Whether you are a first-time home buyer, looking for a second home, or just looking to make a change, we’re here to help!

Open the Door to a Great Mortgage with First Mortgage Loans

  • Competitive Rates
  • Purchase or Refinance
  • Fixed & Adjustable Rate Programs
  • 24/7 Direct Mortgage Online Application Process
  • Pre-Approval in Minutes
  • Specialized Mortgage Products

For current rates, loan program details, or to apply online contact allU.S. Mortgage Service or by telephone at 877-223-9901.

Don’t Move! Renovate with a
Fixed Equity Loan

With rates so low these days, it may make more sense to renovate your home as opposed to moving. Remodeling your home may increase the value, and possibly save you money in the long run. By making your home more energy efficient, for example, you both increase the total value as well as increase savings from energy use. Often, homeowners who are empty-nesters opt for these kinds of loans to replace doors, windows, and climate control systems, as opposed to moving to a smaller home.

Make the Most of Home

  • Borrow up to 80% CLTV of the appraised value of your owner occupied home, less the first mortgage balance. Maximum loan amount is $150,000 – minimum amount is $5,000.
  • Fixed rate for the life of the loan
  • 15-year (180-month) repayment period; 20-year (240-month) on originating balances of $75,000 or more
  • Can be used for any purpose
  • No prepayment penalty
  • Competitive rates and closing costs
  • Tax benefits. In most cases, interest on a home equity loan or line of credit is tax deductible. For details, check with your tax advisor.
Fixed Rate Home Equity
Items
Minimum Loan Amount
$10,000.00
Loan to Value Ratio
80%
Loan Fee
$250.00 for amounts to $49,999.99
$500.00 for amounts from $50,000 to $99,999.99
$1,000.00 for loans over $100,000.00

Term

Annual Percentage Rate*

120 Months (10 Years)
5.95% - 11.50% APR
180 Months (15 Years)
6.75% - 12.50% APR

All loans from allU.S. Credit Union are based on approved credit. All loan rates with the exception of Visa Secured and Share/Certificate Secured loans are approved based on individual credit worthiness. We use a combination of the individual’s FICO score as well as other factors to determine the rate that will be offered.

*APR (Annual Percentage Rate) assumes .25% for automatic payments. Rates vary with amount financed, and term, and credit history. A rate reduction of 0.50% is offered to those members who have an active checking account with direct deposit, automatic loan payment or automatic transfer. Discontinuance of the qualifying relationship will cause the APR to increase by the applicable rate reduction. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid in full. Some restrictions apply. Rates, terms, and conditions subjects to change at without notice.

**The maturity date for loans secured by share certificates will be no later than the maturity date of the share certificate used to secure the loan. Share loans require pledging 110% of the loan amount.

This Preferred Rate discount is not available with other discounts or promotions, or with Visa, Share or Certificate Secured loans or Real Estate loans.

View all Legal Disclosures.

HELOC

Draw up to the limit, whenever you need it with this Home Equity Line of Credit. As you progress with payments, funds will become available to use again. With funds always at your fingertips, it’s a lot easier to get cash for home improvements, tuition, or a variety of other major purchases. Some people with higher-interest debts save hundreds of dollars a year by using cash from their Home Equity Line of Credit to pay those debts at a lower rate.

An allU.S. Home Equity Loan or Home Equity Line of Credit allows you to borrow against your home’s equity. Plus, interest on a Home Equity Line or Loan is generally tax-deductible up to (consult your tax advisor). Use the cash for home improvements, tuition, or other major purchases; or use the money to pay off higher-interest debts and save hundreds of dollars per year.

Borrow Equity on Your Home

  • Borrow up to 80% CLTV of the appraised value of your owner occupied home, less the first mortgage balance.
  • Maximum loan amount is $150,000 – minimum amount is $5,000.
  • An open credit line that you can use to draw on for any purpose
  • 15-year repayment at a variable rate
  • Lower payments and rates can be lower than fixed
  • Can be used for any purpose
  • No prepayment penalty
  • Competitive rates and closing costs
  • Tax benefits*

*In most cases, interest on a home equity loan or line of credit is tax deductible. For details, check with your tax advisor.

HELOC Rates
Items
Minimum Loan Amount
$5,000
Loan to Value Ratio
80%
Variable Rate
Rates as low as 5.00% (Prime + 1.70%)
Loan Term
10 Year Draw, 15 Year Repayment
Loan Fee
$500.00
Annual Fee
$50.00

Loan Balance

Repayment Term

Up to $5,000.00
$5,000.01 to $10,000.00
60 Months
$10,000.01 to $20,000.00
84 Months
$20,000.01 to $30,000.00
120 Months
$30,000.01 to $50,000.00
144 Months
$50,000.00 and Above
180 Months

Entity’s NMLS#802240 | Robin Ceralde NMLS #1482958 | Rocio C. Alcantar NMLS #1646476