Home Equity Loans

Home Equity Loans with $0 Closing Costs through May 31st!

Put your plans into action with a No Points, No Fees Home Equity Loan from University Credit Union!
Home Equity Loans -- No Points, No Fees now through May 31st!

With a University Credit Union Home Equity Loan, you can tap into your home's equity, giving you the money for just about anything you need. Now through May 31, 2008, you can apply for a low-rate home equity loan with no fees and no points!

Start your request by completing the online Home Equity Loan Pre-Qualification Form.

It's easier and less costly than you may think to get a loan for home improvements. You have many choices of loans, with varied terms. Plus, rates are low!

No Points and No Fees -- What can be better? You'll have no costs in establishing a University Credit Union Home Equity Line-of-Credit Loan or Second Trust Deed Loan when you apply by May 31, 2008! Borrow up to $100,000 with your total combined loan-to-value (CLTV) ratio not to exceed 75% to be eligible for our no cost offer. At $0 fees, you can put even more money towards the improvements or purchases you want to make most!

Four Loan Options -- You have many ways to access the equity in your home. Choose from the list of options:
- Second Trust Deed Loan¹ - Fixed Rates
- Home Equity Line of Credit (HELOC)¹ - Variable Rates
- Mortgage Refinance Options - Fixed and Variable Rates
¹The No Closing Cost offer only applies to the Home Equity Loan and Home Equity Line of Credit Loan.
Generous Loan Amounts -- Borrow up to 90% of your home's equity. Loan amount maximums are:
- $150,000, using up to 75% equity*
  (Second Trust Deed and HELOC)
- $50,000, 76% to 90% equity
  (Second Trust Deed and HELOC)
- $750,000, up to 80% equity
  (Mortgage Refinance only)
Low Rates -- You can always count on UCU to give you some of the lowest rates around! The Home Equity Line-of-Credit Loan starts with a low 3.9% APR**, 6-month introductory rate for loans up to a 75% CLTV. Check current rates for all the details on all loans.

Get started now on your home improvement project. Call a UCU Member Service Representative at (310) 477-6628, x1 or start the ball rolling by completing the pre-qualification application on line.

*Equity is calculated as a combined loan-to-value ratio on the property in question.

University Credit Union is an Equal Housing Lender.

Disclaimer: **Introductory rates for the Home Equity Line of Credit is 6 months. At the end of the introductory rate period, the rate will convert to the non-discounted variable annual percentage rate schedule, currently at 5.20% APR (and, based on this rate, has a maximum rate of 11.20% APR) for 75% CLTV; 6.45% APR (and, based on this rate, has a maximum rate of 12.45% APR) for 90% CLTV. Some restrictions may apply. Rates subject to change quarterly. Call for full details. Loans issued subject to credit review. Rates effective 04/01/08.

All loans listed are available only to members residing in California and on primary member residences (single-family, owner-occupied, detached dwellings, or condos, townhouses or duplexes) in the following counties: Los Angeles, Orange, Ventura, Riverside, San Diego and San Bernardino.

Applications:

Apply for your consumer loan on-line!

Join UCU on-line!

Submit a Home Equity Loan application!

Check these out:

Get a UCU MasterCard!

Save more with a UCU Market Rate account!

For more information, please e-mail us or call (310) 477-6628.