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Home Equity Loans and Mortgages


Real Estate Loans

PFCU offers a variety of Real Estate Loan types. We’re sure to have one that will fit your needs. We have loans available for your primary residence, second home, or investment property. For questions or to apply, call a loan officer today.

Home Equity Options

Planning a remodeling project, paying for college, or need to access the equity in your home for debt consolidation? A Home Equity Loan is a great way to get the equity out of your home. We offer a range of Home Equity Loan options to finance your needs. It can even be used to pay off your existing 1st Mortgage.

Home Equity

  • Fixed term up to 15-year amortization.
  • Longer terms available with a 5 year balloon (up to 30 year amortization)
  • Competitive interest rates
  • Available on primary, secondary and investment properties

Check out our rates.

Home Equity Line of Credit (HELOC)

We'll help you "borrow smart" with our Home Equity Line Of Credit (HELOC) loan. With a HELOC loan you can use the equity in your home to meet your needs as they arise. Apply once and have access to a line of credit for up to 20 years, secured by your home, for whatever you need, whenever you need it. When you want to access your HELOC, it's as simple as going to your online banking account or calling any of our offices and asking them to transfer the advance into your PFCU account.

  • Term of 20 years
  • Draw period of 20 years
  • Competitive interest rates
  • Available on primary, secondary and investment properties

Call today for our low rates.

First Mortgages

Buying a new home or cabin, or maybe looking to refinance your existing mortgage? We offer a wide range of products.

Conventional Loans

We offer flexible term options, competitive interest rates and first time homebuyer options with low down payment.

FHA Loans

A great mortgage option that has low down payment options, competitive interest rates, and can be accessible even if you have less than perfect credit.

USDA Loans

Are you looking in a smaller community? If the property falls within a Rural Development Eligible Area, this can be a great option with NO down payment and competitive fixed rates.

Construction Loans

PFCU offers construction loans on both home improvements and new construction. We have competitive rates and low closing costs. Build time of up to 9 months

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