LOANS

HOME EQUITY LOANS

KCCU's home equity loans

 

 

 

 

 

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We understand everyone has different loan needs. At KCCU, we have experienced professionals to help guide you to the right solution for whatever you want to accomplish. As a homeowner, you can use your home’s equity to finance virtually anything.

What Can be financed with a Home Equity Loan

  • Home improvements
  • Debt consolidation
  • Family vacation
  • College tuition
  • New appliances
  • Furniture
  • Wedding
  • And much more!

BENEFITS OF A HOME EQUITY LOAN WITH KCCU

  • Quick access to your funds
  • Variable rate line-of-credit or fixed rate term loan
  • Great rates
  • Generous credit limits
  • Zero closing costs and zero fees available on most home equity loans
  • Interest only payment options for lines of credit
  • Borrow up to 90% of your home’s equity (for qualifying loans)
  • Interest may be tax deductible (consult with your tax advisor)

WHAT INFORMATION SHOULD I BRING TO MY APPOINTMENT?

  • Legal description of property from deed or title insurance
  • Recent appraisal and/or property tax statement disclosing SEV
  • Current income verification (current W2s and/or last two year’s income tax returns)

WHAT DO I NEED TO BRING TO MY LOAN CLOSING?

  • Driver’s license
  • Copy of homeowner’s insurance policy adding KCCU as an additional loss payee

Required Insurance Verification

As part of your KCCU home equity loan obligation, you are required to maintain physical damage insurance for the full term of your loan. To learn more or to submit your insurance information online. Please see our current rates page for our up-to-date interest rates. For more information, contact a loan specialist at 269.968.9251 or 800.854.5421, stop by any one of our convenient branches. Interested in a home mortgage, real estate loan, or mortgage refinancing see our mortgage lending.

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