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Routing #291973687

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Routing #291973687
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Home Loans

Special Limited Time Offer: No Closing Costs 6 on Home Equity Line Of Credit Loans


Pay your loan off faster and save even more in interest with our free bi-weekly payment option on all in-house loans. Ask a mortgage lender for details.


Type of Loan Duration Rate APR 1
Fixed Rate First Mortgage 2 in-house up to 10 years 3.79% 4.013%
First Mortgage in-house
(15 – yr amortization)
10 year balloon 4.04% 4.211%
First Mortgage
(15 year amortization)
as low as
First Mortgage
(30 – yr amortization)
as low as
5 year balloon









Construction – interest only 3-18 months 5.25%
Fixed Rate Home Equity 3
as low as
5 to 10 years

Range of:





Home Equity Line of Credit
80% Loan to Value or Less
15 years Prime Rate Minus 1% 5

Home Equity Line of Credit

Up to 100% Loan to Value

15 years Prime Rate Plus .50% 5
Prime Line Interest Only Payment (5-year term) 5 years 5.00%
Unsecured Home Improvement (borrow up to $25,000) up to 10 years 7.49%
Unimproved Land up to 50% of appraised value
(no maximum loan amount)
5 year balloon  6.50% varies by term
Unimproved Land 51% – 100% appraised value 5 year balloon 7.25% varies by term
1 year ARM (up to 30 years)
5 year ARM (up to 30 years)
adjusts after 1 or 5 years Call  722-9242 for rate
 5/5 ARM (up to 30 years)  adjusts every 5 years Call 722-9242 for rate
Conventional First (secondary market only)  15,20,30,40 year fixed rates available Call 722-9242 for rate

What We Offer

First Mortgages:

  • Purchases and refinancing (including purchase money seconds)
  • Primary, vacation and investment property financing
  • Flexible term and payment options
  • Serviced at Harbor Pointe Credit Union

Home Equity Loans:

Easy application process, use your home equity loan for such things as home improvements, debt consolidation for lower monthly payments, pay college tuition and more!

  • Competitive interest rates
  • Flexible terms
  • Home remodel loans up to 133% LTV!

Lines of Credit:

Our home equity line of credit offers:

  • Flexible fund withdrawal
  • Terms up to 15 years (5-year draw, 10-year repayment)
  • Competitive interest rates
  • Up to 100% loan to value
  • low rate margins

Home Improvement Loans:

  • Low or no equity? A Home Improvement Loan may be your solution
  • Must be used for home improvements only
  • Unsecured loan up to $25,000 with up to 10 years to repay
  • Eligible property types (owner occupied) Single Family, Townhouse, Condominium, Duplex

Construction Loans:

Building that dream home? We can help!

  • One time close
  • Construction to permanent financing available
  • 3 – 18 months construction phase
  • Interest only payments while you build

Raw Land:

Lake property, hunting land, future new home site? It’s easy with a land loan at Harbor Pointe Credit Union!

  • Up to 100% purchase financing  available
  • Flexible terms and payments

For Your Purchase and Refinancing Need We also Offer:

  • Conventional Mortgages
  • FHA Loans
  • VA Loans

1 APR = Annual Percentage Rate

2 APR = Annual Percentage Rate, up to 10 year term, first mortgage position only, mortgage remains at Harbor Pointe Credit Union. Payment example based on $100,000 loan amount at 3.79% interest rate with an APR of 4.013%, 120 monthly estimated payments of $1,002.13 which includes principal  & interest payments. Maximum Loan-to-Value is 80%. Rate subject to change without notice. Current Harbor Pointe Credit Union 10 year in-house mortgage refinances do not qualify. See a Mortgage Specialist for complete details.

 3 APR = Annual Percentage Rate, up to 10 year term, 2nd mortgage position only, mortgage remains at Harbor Pointe. Based on $25,000 loan amount at 5.75% interest rate with an APR of 5.764, maximum Loan-to-Value is 80%. Rate subject to change without notice. See a Harbor Pointe Mortgage Specialist for complete details.

5 Prime Rate (index) as printed in the Wall Street Journal (WSJ)

Active checking account required for no closing cost promotion.  Maximum $500 waived in closing costs.  Harbor Pointe Credit Union reserves the right to end no closing cost promotion at any time.
All rates subject to change. Please call  our loan department to verify the most current rates.

Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.