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Foothill Credit Union
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Mortgage Loans

All mortgage programs are not the same, and it’s important to understand the differences. Whether you're buying your first home, making your next move or simply refinancing, Foothill Credit Union has the terms, features and options designed to make getting a mortgage easier. Let us help you understand all the choices you have when it comes to a home mortgage. (NMLS# 681615)

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Whether you are looking to complete a home improvement project, pay college tuition, purchasing a big-ticket item, paying for a wedding, or even if you are just looking to consolidate credit card debt, we are here to help with multiple options!

Home Improvement
Home Improvement
Home Improvement
College Tuition
Home Improvement
Wedding
Home Improvement
Consolidate Debt

...and more!
 

Home Equity Loan vs. HELOC

Home Equity Loan & HELOC Rates

Home Advantage Loan

Home Advantage Loan
Effective Date: Thursday, August 13th, 2020
TermAPRLoan AmountEstimated Payment/$1,000
Terms up to 120 months
70% financing

4.70% - 6.20% $500,000 $10.21 - $10.27
80% financing

5.20% - 6.70% $500,000 $10.70 - $11.45
Terms from 121 months up to 180 months
70% financing 5.20% - 7.45% $500,000 $8.01 - $9.24
80% financing 5.70% - 7.95% $500,000 $8.27 - $9.53
Apply Now

Estimate Your Payment
 

Home Equity Line of Credit - 80% CLTV
Effective Date: Thursday, August 13th, 2020
Term & Credit ScoreMaximum Loan AmountMarginCurrent APR
180 Months, 680+ $500,000.00 0.000% 3.50%*
12 month intro rate for max loan amount of $350,000 is 2.900%
180 Months, 450-679 $150,000.00 1.000% 4.50%*
12 month intro rate for max loan amount of $150,000 is 3.900%
Apply Now

Estimate Your Payment
 

Frequently Asked Questions

Interest rates for home equity lines and loans are typically lower than for other forms of credit because your home is used as collateral meaning the risk to a bank is less than with an unsecured loan.
Home equity loans and lines can we used to finance almost anything, including home repairs or improvements, education, vehicles, second homes or consolidating higher interest rate balances.
You can borrow up to $500,000 through either a Home Equity Loan or HELOC.
Home equity loan ineterst and HELOC interest may be tax-deductible. Consult your tax advisor regarding tax deductibility.
No, there is no pre-payment penalty.
Yes. You can transfer any higher interest rate balances to your new home equity line of credit or loan.

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