Discover the Benefits! 

• Applying is easy and convenient.
• Funds can be used for any purpose, such as:
          - Debt Consolidation
          - New Vehicles
          - Vacations
          - College Tuition
          - Home improvements
• Revolving credit line - use your funds over and over again for up to five years.
• No-cost home equity loan available.
• Easy access to your funds with home equity checks or stop by one of our conveniently located offices.
• 5 and 10 year repayment plans.
          -No balloon payment to worry about.
          -Rebuild your equity with your monthly payments.
• Fixed and variable interest rates.
• Possible tax advantages. Check with your tax advisor.
• Credit life/disability insurance is available for your "payment protection."
• No private mortgage insurance or escrow payments required.

Determine Your Equity!

To determine the equity you may have available, you can either use your property tax statement or a current appraisal.

Using Your Property Tax Statement:

True and full value $ ____________x .90% = $____________

Using A Current Appraisal:

Appraised value $ ____________x .90% = $____________.

Taking the figures above, subtract any existing 1st mortgage balance.

Figure from above         $____________
Balance owing on 1st   $____________
Remainder                   $____________

If the remainder is greater than $5,000, you are a candidate for a Home Equity Line of Credit (pending credit approval).

Loan Disclosures