Disclosures:
1 APR = Annual Percentage Rate. The 7-business day approval is based upon all required documents being received at the time of submission. A review of the credit eligibility, adequate property value and a clear title is also needed for qualification. Fast Forward Home Equity Line of Credit (HELOC) APRs are variable and indexed to the Prime Rate as published in the money rate table of the Wall Street Journal + a margin for the life of the loan. Prime Rate as of 5/27/2025 is 7.50%. Our current lowest APR as of 5/27/25 is 8.00% APR, which includes + 0.50 margin. For qualifying credit lines of $100,000 or less, an introductory rate as low as 5.99% fixed APR applies for the first thirteen (13) months of the loan. After the introductory period, the APR will revert back to the original rate indexed to the Prime Rate. The APR is subject to change. Your actual rates may vary, depending upon credit history, loan amount and term, loan to value ratio, and other factors. The maximum APR that may be imposed is 18.00%. Maximum loan-to-value is 90%, depending on creditworthiness. To qualify for the lowest fixed intro APR, maximum loan-to-value is 80%. Zero closing cost offer depends on creditworthiness and eligibility and does not include legal fees (if required). If the line of credit is fully repaid and closed within 36 months, the borrower may be required to reimburse the lender for some or all of the fees and charges incurred at the time of closing. The minimum loan amount is $10,000 and the maximum loan amount is $100,000. The term is up to 240 months. Pay interest only on the amount drawn or 1% of the balance. Membership with Freedom First is a requirement for this offer with a $5 share account. Property insurance, if applicable, must be in effect on the property being secured and the said property must be in the Freedom First Credit Union membership area. The property must be owner-occupied and cannot be in a flood zone. A review of the credit eligibility, adequate property value , and a clear title is also needed for qualification. This offer is not available for refinances of existing Freedom First Credit Union Home Equity Lines of Credit. All credit union loan programs, rates, term and conditions are subject to change at any time without notice. Contact a Freedom First Credit Union representative at (540) 389-0244 for complete details.
2 Please consult a tax adviser for further information regarding the deductibility of interest.