Real Estate Equity Loan
Enjoy the freedom of fixed interest rates and no application or appraisal fees.
Why choose a PSECU Real Estate Equity Loan?
With a Real Estate Equity Loan from PSECU, you can:
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Borrow up to 90% of the appraised value, less any liens on the property being mortgaged. Real Estate Equity Loans have a minimum loan amount of $5,000. Existing PSECU equities may be refinanced for additional funds of $5,000 or more.
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Secure a fixed interest rate based on the property’s loan-to-value ratio.
Description | APR* As Low As | Monthly Payment Example | |
---|---|---|---|
5 Year Equity Loan-to-Value up to 80% | 5.990% |
$19.33
/ per $1000.00 |
|
5 Year Equity Loan-to-Value greater than 80% to 90% | 6.740% |
$19.68
/ per $1000.00 |
|
10 Year Equity Loan-to-Value up to 80% | 6.240% |
$11.23
/ per $1000.00 |
|
10 Year Equity Loan-to-Value greater than 80% to 90% | 6.990% |
$11.61
/ per $1000.00 |
|
15 Year Equity Loan-to-Value up to 80% | 6.740% |
$8.85
/ per $1000.00 |
|
15 Year Equity Loan-to-Value greater than 80% to 90% | 7.490% |
$9.27
/ per $1000.00 |
|
20 Year Equity Loan-to-Value up to 80% | 7.990% |
$8.37
/ per $1000.00 |
|
20 Year Equity Loan-to-Value greater than 80% to 90% | 8.740% |
$8.84
/ per $1000.00 |
Browse Common Questions
-
There are no PSECU application fees for equity loans, but third-party fees may be charged. For example, there may be third-party notary fees since PSECU requires the execution of the loan in front of a Notary Public. You may also incur fees if the Real Estate Equity Loan is being used to purchase land that will be used to build your primary residence. (PSECU requires property insurance.) For information on this type of equity, please call 800.237.7328, extension 3817. Late fees may apply.
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You may refinance your Real Estate Equity Loan, Home Equity Line of Credit or HELOC Plus by applying online. If you’re refinancing a Real Estate Equity Loan with a new one, you’re required to borrow an additional $5,000 above your current equity loan balance.
Have Questions? We're Here to Help
Need to talk to us directly? Call (800) 237-7328 or send an inquiry.
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