Home Loans
Buying a home is a building block to financial success – and one that can be the most exciting milestone you’ll ever reach. At First Eagle, our friendly mortgage lenders make it fast, easy and affordable with competitive rates and a streamlined digital mortgage process. Plus, we’re here for you from start to closing.
First Eagle home loans offer:
- Competitive fixed or adjustable rates
- Terms to 30 years for low monthly payments
- Traditional, VA and FHA loan options
- First-time homebuyer program
- Easy online mortgage application and tracking
Get started now! Check our rates or call us at 888-231-2022 for more details and personal assistance with your application.
Home Equity Lines of Credit (HELOC)
A variable-rate HELOC gives you a source of funds to draw from as needed, like a revolving charge account, so it’s up to you how much you withdraw at a time. You only pay back what you use, plus interest, and every time you make a payment, you automatically replenish the funds available to you.
A First Eagle HELOC offers:
- Rates as low as 7.50% APR*
- No closing costs when $20,000 or more is taken at settlement
- Freedom to borrow up to $150,000 or up to 80% of your available equity, for qualified borrowers¹
- Easy access to your funds
- Tax advantages*
FEES AND CHARGES: In order to open, use and maintain a line of credit plan, you must pay a Check Printing Charge: $20.00 (due when checks are ordered).
You must pay certain fees to third parties to open the plan. These fees generally total $50.00-$750.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties
Home Equity Loans
(Second Mortgages)
Do you need money for a one-time expense? A fixed-rate Home Equity Loan is a smart way to finance a specific purchase. With a home equity loan, you receive all the money, up front, and make set monthly payments. And since the rate is fixed, you can be confident in knowing that your repayment terms will remain the same for the life of the loan.
A First Eagle Home Equity Loan offers:
- Rates as low as 7.24% APR*
- Personalized terms: 5-, 7-, 10- and 15-year options
- No closings costs when $20,000 or more is taken at settlement; requires a $75.00 processing fee
- Finance up to 80% of your available equity, for qualified borrowers*
- Borrow between $5,000 and $150,000 – receive 1 lump sum
- Tax advantages*
Repayment Terms
| Term | APR* (as low as) | Monthly Payment Per $1,000 |
| 5 Year | 7.24% | $19.91 |
| 7 Year | 7.49% | $15.33 |
| 10 Year | 7.75% | $12.00 |
| 15 Year | 8.24% | $9.70 |
*APR=Annual Percentage Rate
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*APR=Annual Percentage Rate. This is a variable rate loan, based on Prime Rate, and the APR may change monthly. Prime Rate effective 8/1/23 is 8.50% as published in the Wall Street Journal. The rate floor for all Home Equity Lines of Credit is 4.00% APR, the maximum rate that can apply is 18.00% APR. Minimum loan amount is $5,000. ¹For qualified borrowers, borrow up to 80% of your home’s value, minus any existing liens. ±Consult your tax advisor.
*APR=Annual Percentage Rate. Minimum loan amount is $5,000. *For qualified borrowers, borrow up to 80% of your home’s value, minus any existing liens; finance up to 80% in Texas only. ±Consult your tax advisor.
Debt Protection
MEMBER’S CHOICE DEBT PROTECTION
Whether you’re taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen…life happens.
Member’s Choice Debt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default or foreclosure if a protected life event unexpectedly happens to you. And, simple eligibility requirements make the enrollment process easy!
If a protected life event happens and you’re a protected borrower or co-borrower on the loan, Member’s Choice Debt Protection will cancel or waive your loan payment(s), up to the contract maximums. Debt Protection helps to lessen your worries about paying your loan during a time when income may be reduced or lost. Protected events include: loss of life, disability and involuntary unemployment.
Call us at 888-231-2022 and ask about protecting your loans.
Your purchase of First Eagle Member’s Choice Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of First Eagle Member’s Choice Debt Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.
