HOME LOAN OPTIONS

Home Equity Loan

Loan Details

  • Competitive fixed interest rates for term of the loan

  • Terms up to 240 months 

  • Borrow up to 85% of your home’s value

  • Low $100 government recording fee

  • Less Stress Debt Protection available

Benefits

  • Use your home’s equity to maximize your borrowing power 

  • Can be used for any purpose

  • Predictable payments

Home Equity Line of Credit (HELOC)

Loan Details

  • Variable rate

  • Low $100 government recording fee

  • Borrow up to 85% of your home’s value

  • Less Stress Debt Protection available

Benefits

  • Borrow repeatedly without re-applying

  • Only make payments on the amount you borrow

  • Security of being able to pay for unexpected expenses and emergencies

Home Equity Loans Rates

Home Equity1 Loan Rates

$5,000 Minimum
Fixed Rate Home Equity
Term APR* as Low as Monthly Payment
36 months 5.99% $30.42
60 months 5.99% $19.33
120 months 6.24% $11.23
180 months 6.74% $8.85
240 months 6.99% $7.75


Home Equity Line of Credit (HELOC)1 Rate

$5,000 Minimum
Home Equity Line of Credit
Term APR* as Low as Monthly Payment²
120 months
Variable rate = Prime - 1.50%
Rate floor = 4.00%		 6.00% $11.11



1All home equity loan payments quoted based upon $1,000 borrowed. $100.00 government recording fee due at time of application. Loans limited to 85% of property value minus any existing liens. Loans are limited to 1 to 4 family, owner occupied or second homes which are residential properties located in Pennsylvania. All Home Equity Loans require an appraisal. Appointment required to apply.

2Minimum monthly payment of $20.00.

Mortgage Loans

Discover your reliable source for home financing with our competitive rates and diverse range of terms and financing programs offered through our trusted business partner, State Financial Network. Whether you're purchasing a new home or refinancing, we have you covered with several options to meet your needs.

Options available

  • Fixed Rate Mortgages

  • Adjustable-Rate Mortgages (ARMs)

  • Conventional Loans

  • Refinance – Lower rate, shorter term, cash-out

Benefits

  • Free pre-approval

  • Low down payment options

  • Flexible Programs available for primary residences, second homes, or vacation homes

We strive to provide a smooth and personalized experience with helpful loan advisors and local decision-making based in Eastern Pennsylvania. Take the next step in your home finance journey with LVECU and State Financial Network.

Contact our partner, State Financial Network, at (610) 325-5002 or toll-free at (800) 426-7140, or click Apply Now to start your application today.

  • State Financial Network NMLS # 1020019
    Lehigh Valley Educators Credit Union NMLS # 615332

    Tax Deductible: You should consult a tax advisor regarding the deductibility of interest and charges for the loan.

    Property Insurance: You must carry insurance on the property that secures your home equity loan. 

    Not all applicants will qualify.