房屋净值贷款 & 信用额度
We offer 房屋净值 options that can help you pay for home improvements, consolidate debt or finance a large purchase.
什么是房屋净值? It’s the current value of your home minus your mortgage balance. You can borrow against that equity to consolidate your debts to make paying them down easier and more efficient.
WSECU can help with two home equity options for a primary residence: 房屋净值贷款 or 信用额度. One of these may be right for you if:
- You want to pay down your debt faster.
- You want to lower your monthly payments.
房屋净值贷款是一种 一次性A large single payment that cannot be broken up into installments. amount determined by the equity you have in your home. It can offer a lower interest rate than a 房屋净值信用额度 (HELOC) and set monthly payments.
你如何使用房屋净值贷款? You can remodel or improve your home, consolidate debt or purchase a vehicle.
A 房屋净值信用额度 (HELOC) is a revolving line of credit funded by the amount of equity you have in your home. Think of it like a credit card that is funded by your home’s equity (but with a much lower rate).
- Access to line of credit for up to 10 years**
- Gain flexibility for unexpected circumstances
“房屋净值团队很棒! 他们向我解释了那个计划, helped me get the information I needed and were always in contact with me through the whole process. At the branch, the staff were clear and we both understood what we were signing. I have been banking with WSECU for many years and appreciate their business."丽莎WSECU成员