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Backyard Landscape with fence

Home Equity Line of Potential.
Fixed Rate & ZERO Closing Costs!
(No Appraisal Fee, No Mortgage Tax...Nothing)

Imagine the possibilities: A kitchen upgrade. A backyard makeover. College tuition. Access the equity you've built to make big things happen.

Our Home Equity Line of Credit allows you to borrow up to 100% of your home's appraised value. Use what you need, then pay it back monthly — and you'll only pay interest on the amount you spent.

 

 

1. No closing costs on HELOCs up to $200,000. Discharge fees and overnight shipping charges are excluded where applicable. If the HELOC is paid and closed within 3 years of the closing date there is a recapture fee in which you will have to reimburse the Credit Union for all closing costs paid on your behalf.
2. Annual Percentage Rate
A first position loan is the primary lien against your property - this is usually a traditional mortgage or can be in the form of a Home Equity Loan. A second position Home Equity Loan is on top of your first mortgage.
Mortgages in New York State only. All Lines of Credit require a minimum initial advance of $5,000 and a minimum limit of $10,000. Other rates are available. Sample payment for a 15-year fixed loan at 4.00% is $7.40 per $1,000. Rates are subject to change without notice.
CAP COM FCU NMLS Identifier: 401261.