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Home Equity

Home Equity

Consolidate your debt into one, low monthly payment. Make repairs or upgrades to your home. Pay for your children’s education. Take the vacation of a lifetime. The possibilities are endless—and within reach—when you have a Home Equity Loan or Line of Credit from Point Breeze!

Fixed-Rate Home Equity Loan

A fixed-rate Home Equity Loan lets you borrow against your home’s equity and repay it with low, predictable monthly payments.

  • Borrow up to 100% of your home’s equity ($100,000 maximum)
  • Low interest rates
  • Flexible terms, from 5-20 years
  • No points
  • No closing costs (on loans up to 30,000 for 10 years or less)

Variable-Rate Home Equity Line of Credit

A variable-rate Home Equity Line of Credit is a flexible way to draw on your home’s equity for virtually any use. Low monthly payments make this a great way to maximize the investment in your home.

  • Super low introductory rate
  • Borrow up to 80% of your home's equity ($250,000 maximum)
  • No points
  • No closing costs
  • Interest-only options available

Call 410.584.7228 today to schedule an appointment with a loan officer.


Home Equity Loan Rates

Product
APR as low as
Points
Monthly Payment (per $1,000)
5 Year Fixed
4.25%
None
$18.54
10 Year Fixed
4.50%
None
$10.37
15 Year Fixed
4.99%
None
$7.91
20 Year Fixed
7.50%
None
$8.06
Home Equity Line of Credit (HELOC)
Intro 0.99%
None
--
Interest Only HELOC
Intro 0.99%
None
--

APR=Annual Percentage Rate. Rates are subject to change without notice. Rates listed above are the lowest rates. Actual rate may vary based on term, loan amount, credit history and other factors. Home Equity Loan: Borrow up to 100% Loan-to-Value or $100,000 maximum. Standard HELOC: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 4.00% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 9.00% APR. Minimum loan amount is $7,500. Maximum loan amount is 80% loan-to-value or $250,000. For every $1,000 borrowed at .99% APR your payment will be $7.75 monthly with a minimum monthly payment of $100. For every $1,000 borrowed at the current rate of 4.00% APR your payment will be $10.23 monthly with a minimum monthly payment of $100. Interest Only HELOC: 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 4.00% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 9.00% APR. You may pay only the interest on the money you borrow for 10 years from the date the loan is established (draw period). Minimum payment will not repay principal, which will result in your payment increasing at the end of the 10-year draw period. Minimum loan amount is $7,500. Maximum loan amount is 80% loan-to-value or $250,000. For every $1,000 borrowed at .99% APR your payment will be $0.81 monthly if you choose to pay only the interest. For every $1,000 borrowed at the current rate of 4.00% APR your payment will be $3.29 monthly if you choose to pay only the interest. We may not extend credit to you if you do not meet Point Breeze Credit Union criteria. Excludes current Point Breeze loans. Consult with your financial advisor about potential tax savings. Please speak with a Point Breeze loan officer for more information.



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