Home Equity Loans
Your Credit Union is here to be your lender when you need us.
We offer some of the best rates in the area and are very flexible with
our members. We offer many types of loans and are working to increase
loans options to all of our members. Effective 9/11/14
5 Year Home Equity loans as low as
7 Year Home Equity loans as low as
10 Year Home Equity Loans as low as
15 Year Home Equity loans as low as
Click on the links below for a copy of our loan application. To start your loan application process please print, fill these out, and mail them in, or drop them off at the Wyrope Williamsport Federal Credit Union.
Loan Application Word Document
Loan Application Acrobat PDF
APPLY FOR YOUR MORTGAGE ONLINE
Fixed Rate Mortgages
your interest rate remains the same for the length of your loan. Wyrope
Williamsport FCU offers various fixed rate term loans including
as well as
which require little or no down payment.
mortgage (ARM) usually offers an initial lower interest rate and initial lower
monthly payments than a fixed rate mortgage. However, the interest rate
may increase or
decrease over the term of the
To protect you against rapid rate increases, most
have an interest rate "cap" or "ceiling". Some
have a convertible feature that allows you to convert an
at specific time periods. Applying online for your
Adjustable Rate Mortgage
is simple and
is a great way to obtain financing, particularly if you are purchasing
your first home. This type of
helps you get started because it requires a low down payment (as low as
3.50%), minimal credit history and allows flexible underwriting
are available in
both fixed and adjustable rate programs.
Now you can build your dream home and obtain
permanent mortgage financing
construction to permanent loan. A construction to permanent loan can
make your home building process simple because Wyrope Williamsport FCU
has flexible guidelines and there is only one closing. Plus, extended
options are available just in case problems or inclement weather prolong
the time it takes to build your home. Upon completion, the
becomes a permanent 15 or 30 year
with no additional costs or closing documents. You can choose a
construction term of up to 12 months and a customized draw system to fit
your individual needs.
Does your current home or the new one you're buying need
improvement or repairs? Or, are you interested in adding an addition to
your existing property? If so, a
can assist you. A
enables you to finance both the purchase (or refinance) and
repairs for the property.
can include repairs, as well as updates and eligible improvements. Most
importantly, there is only one
mortgage. Remodeling mortgages
are available in
with fixed and adjustable rates.
If you have a
at a higher interest rate, refinancing could reduce your monthly
payments or the number of years to pay off your loan. If your
current mortgage is at an adjustable rate, we can help you lock in a
low interest fixed
Most refinancing fees can be included in the new
mortgage (if you have
enough equity in the home present value), so you will have very little
out-of-pocket closing costs.
Wyrope Williamsport FCU's program provides you with the
opportunity to be pre-approved for a
up to the maximum loan amount and interest rate, before signing a
contract on a specific property. You then have the assurance that you
will qualify for a
before shopping for a home.