Real Estate Loan Products Offered and Serviced by EECU
The following loan types are available to members of EECU. Rates were current as of 9 a.m. on 3/16/2018. Rates are for informational purposes only and are subject to change without notice. Please call (800) 538-3328 for current rates.
Owner Occupied - Primary Residence
Home Equity Line of Credit
HELOC Loan- Variable APR accurate as of above date. Maximum lifetime APR is 5% over start rate shown above. $25 annual maintenance fee. Available on California owner-occupied real property only. Other restrictions may apply. All loans subject to approval. Not all borrowers will qualify for all rates or loan types. APR may vary based on loan amount, loan purpose, and other factors. Rates and terms subject to change without notice.
The following offer is valid for HELOC applications received 3/1/18 – 5/31/18: $125 application fee is waived. A minimum $10,000.00 advance is required when the credit line is established. Closing costs (up to $324 depending on lien position, credit limit and other factors) are waived.
30-, 15-, 20-, and 10-Year Owner-Occupied Fixed Rate Loans- Minimum 20% equity required or 20% down payment if funds will be used to purchase a home. Minimum loan amount: $5,000.
30-Year Owner-Occupied Fixed Rate JUMBO Loan – Minimum 20% equity required or 20% down payment if funds will be used to purchase a home. Minimum loan amount: $453,101. No cash out refinance.
30-Year Non-Owner Occupied Fixed Rate Loan- Minimum 30% equity required or 30% down payment if funds will be used to purchase a residential rental property. Non-owner occupied single family residences (1-4 unit multi-dwelling properties and planned unit developments; condominiums are not eligible).