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Home Loans

Home Loans

Choose from a fixed or variable rate on your first or next home. Refinance loans also available. Plus, we simplify the home buying and selling process with our free HomeAdvantage program

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Home Equity Line of Credit*

The Partnership FCU offers a low-rate Home Equity Line of Credit (HELOC) with no closing costs and lines up to $250,000 with terms of up to 20 years. 

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EZ Equity*

Access the equity in your home with no closing costs and enjoy a fixed rate and consistent monthly payments. The Partnership FCU EZ Equity loan allows you to access up to 90% of the appraised value of your house minus the first mortgage. Choose a 7-, 10-, or 15-year term and spend the money any way you like. 

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*APR = Annual Percentage Rate.  Your actual rate may vary.  APR on all The Partnership FCU loans will be based on applicant’s past & present credit performance. 

For HELOCs and EZ Equity closing costs typically range from $200-$1,500.  All closing costs are paid by the Credit Union.  If the HELOC or EZ Equity is closed within 36 months of the opening date, the  member will reimburse the Credit Union for any costs paid on their behalf.   Homeowner’s insurance is required.  If you live in a flood zone, flood insurance is required.  Interest may be tax deductible, consult a tax advisor for further information regarding the tax deductibility of interest and charges.  

HELOCS:  HELOC is not available in Texas.  

EZ Equity:  EZ Equity is available in Texas with maximum 80% of the appraised value minus outstanding mortgage balance.  The monthly payment per $1,000 with a term of 84 months with a 4.74% APR will be $14.02.

Other restrictions may apply.