COMING SOON:
Changes to our Mortgage Lending Program.
Stay tuned!
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*
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 5.99% 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 85% of your available equity, for qualified borrowers*
- Borrow between $5,000 and $150,000 – receive 1 lump sum
- Tax advantages*
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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 10/1/22 is 6.25% 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 85% of your home’s value, minus any existing liens; finance up to 80% in Texas only. ±Consult your tax advisor
**Cash back bonuses available where permitted by law. Must register for the program prior to contacting a real estate agent ta be eligible. Not all services available in all areas. Owned and operated by BHHS Homesale Realty. 2This payout structure is applicable for buyer and seller transactions. 3Commissions may vary.
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.
