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Home Equity Lines of Credit

Your home makes so much possible.

A Home Equity Line of Credit is a smart choice for home improvement projects, covering major expenses and even funding a college education. It's flexible financing with low payments and fixed or variable rate options.

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An Ent Home Equity Line of Credit offers:

  • No closing costs for qualified borrowers**
  • Low, interest-only payments during the draw period; and a fully amortized repayment period
  • No application fee or cash advance fee
  • Ent Extras, a hassle-free annual reward, only at Ent

A line of credit gives you easy access to the funds you need to enjoy life. For instance, if you finance a $35,000 kitchen remodel, your monthly interest-only payments would be approximately $126*.

Put your equity to work.

*APR=Annual Percentage Rate. Lowest rate shown is for well qualified borrowers and includes an Ent automatic payment and electronic disclosure discount and loan to value of 80% or less. A HELOC in the amount of $35,000 at an APR of 4.24% during the 120 month draw period will have estimated monthly payments of $126.04. At the end of the draw period the 180 month amortized estimated monthly payment is $263.15 and total estimated finance charge of $12,365.92. This example is calculated based on no change to the Wall Street Journal Prime Rate as reviewed at the start of the repayment period.

**Home equity lines of credit are eligible when the credit union controls total payoffs equaling $25,000 or more to other creditors and available for loan requests for up to $70,000 when the loan to value ratio is 70% or less. No refinancing of Ent loans. If the line of credit is paid off and closed within 36 months, borrower will be required to reimburse closing costs. Closing costs may range form $100-$1000. Other restrictions may apply. Higher loan to value options available.

Standard credit qualifications apply. Loans subject to final credit approval. Financing available on owner-occupied homes throughout Colorado. Property insurance is required. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges. Please refer to Ent's Important Loan Information and HELOC pre-disclosure for more information. 

Your home makes to much possible. Smart financing is ready for whatever you need. Home Equity Lines of Credit - Ent Credit Union.

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