房屋净值选择

Get the financing you need to keep the future in sight

Big life decisions can cost big money, no matter how budget-conscious you are. San Francisco Federal Credit Union offers the support you need to move forward with confidence.

Discover the Great Features of a 房屋净值贷款 from San Francisco Federal Credit Union

Home equity loans are the starting point for remodeling projects and upgrades along with life’s most exciting events, 比如婚礼和假期. 幸运的是, when you choose a home equity loan from San Francisco Federal Credit Union, 你会得到有竞争力的价格, flexible terms and great benefits to jump-start you toward those goals.

Some features of home equity loans from San Francisco Federal Credit Union include:

  • 把金额: Close your loan for lump sum cash designed for any purpose.
  • 固定利率: Predict your monthly payments quickly, accurately and affordably.
  • High Loan To Value Ratios (LTV): Get the biggest bang for your buck with ratios that reward your diligence and dedication.

Make your home’s equity work for you with one of our lending solutions.

Home equity is a resource that can be tapped into and repurposed for many things, from debt consolidation and home repairs to dream weddings and family vacations or 增加价值 你的家.

You can achieve any of your goals using a variety of options from San Francisco Federal Credit Union.

Home Equity 信贷额度 (HELOC)

A home equity line of credit (HELOC) is a revolving credit line that can be used for many purposes. 超过10年的抽签期, you can withdraw funds directly proportionate to your home’s maximum equity value. Once the borrowed funds are paid back, they are available to be used again.

Some features of HELOC loans include:

  • 房屋净值的LTV高达70%
  • 竞争性可变利率
  • 10年期撤军 & 20年还款计划
  • Online, mobile, and in-person banking
  • Complete servicing from San Francisco Federal Credit Union

房屋净值贷款

Unlike HELOCs, home equity loans are financing options that do not revolve every month. The dollar value of the loan is determined by estimating the difference between what’s left of your mortgage and the current value of your home. You are not required to borrow the full amount, but can instead borrow only what you need.

Some features of home equity loans include:

  • Can be used to pay for large expenses and life’s milestones
  • 一次性借款的能力
  • 灵活的还款条款
  • Fixed, secure and predictable rates
  • 只借你需要的东西
  • 具有竞争力的年利率

常见问题

What factors determine my home equity rates?

Any home equity loan or line of credit (HELOC) rate will be determined based on a few factors. Your debt-to-income ratio, credit score and repayment history go into this calculation.

我能借多少钱

Home equity loans are determined by subtracting the amount you owe on your home from the value of the house. 与此形成鲜明对比的是, HELOC rates are determined by your monthly income, debt and related financial factors (as well as home equity). Both of these home equity options rely heavily on the loan to value ratio (LTV) of your home.

我什么时候使用HELOC vs. 房屋净值贷款?

The most important difference between a home equity line of credit (HELOC) and a home equity loan is found in the retrieval method. HELOCs are revolving credit lines that enable small sums to be withdrawn and repaid over time. Home equity loans are lump sum options that pay for one-time purchases.

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Find Your Key To Success With Flexible 房屋净值选择

Tapping into your home equity enables you to live life your way. Allow the crew at San Francisco Federal Credit Union to supply you with everything you need to succeed.

*APR=年度百分比利率. 可能会有一些限制. All loans subject to credit approval. This loan is for primary residences only and the maximum combined loan-to-value ratio is 70%.

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