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Real Estate Loans

Home Equity

  • Product Details
  • Fees and Terms
  • Reviews
  • Whether you have home improvement projects on the horizon or expenses and bills you need to pay, our various home equity products serve your needs conveniently. With low rates that save you money, you'll appreciate the financing you can leverage through multiple options based on your home's value. 

    Home Equity Lines of Credit 

    • Rates as low as 4.50% APR1
    • Tap into your home's equity for lines of credit ranging from $10,000 to $350,000 and draw on the money for 15 years
    • Finance up to 85% of your home's value to get the money you need
    • Enjoy a low, variable rate that saves you money over the term of the loan
    • Get the ability to transfer money online and over the phone
    • No closing costs, no maintenance fees and no prepayment penalties allow you to put your money to better use2


    Home Equity Loans - Closed End

    • Enjoy low, fixed rates ranging from 4.65% to 8.50% APR1
    • Finance up to 90% of your home's value to get the money you need
    • Tap into your home's equity for a loan ranging from $10,000 to $350,000
    • Affordable payments with terms from 60 to 240 months to fit your budget
    • No closing costs, no maintenance fees and no prepayment penalties  allow you to put your money to better use2

    Better Choice Home Loan3

    • Rates from 4.15% to 6.90% APR1
    • Borrow between $25,000 to $350,000 and choose from a variety of terms to meet your specific needs  
    • Use to refinance your first mortgage or combine your first mortgage and home equity loan
    • Enjoy a low fixed rate that saves you money over the term of the loan
    • No closing costs means you can put your money to better use2
    • Get an additional 0.25% rate discount if your loan-to-value is 70% or below3

    Ready to Apply? Click HERE.

    When you’re striving to reach your goals, Truliant can help you achieve them as your financial partner. Apply for one of our home equity products and get the financing you need to achieve more of your goals. Feel free to visit one of our Member Financial Centers in North CarolinaSouth Carolina and Virginia, or call our Contact Center at 800.822.0382 to get started today. Truliant is committed to providing the products and services members need to strengthen their finances and improve their lives.

    (1) APR = Annual Percentage Rate. Rates and terms are subject to change. Loans are subject to credit approval. Maximum APR for Home Equity Lines of Credit is 18.00%. Available in FL, GA, NC, OH, SC, TN and VA only. (2) If an appraisal is deemed necessary, an appraisal fee will be collected at that time; total cost approximately $400-$600 and is non-refundable if the borrower does not close their home equity loan with Truliant. FEES IMPOSED BY THIRD PARTIES: If your home is located in SC or GA, an attorney in that state will charge approximately $250-$600 in SC and $300-$600 in GA to close your home loan. For SC loans, Truliant will pay up to $400 in closing cost attorney fees. For all states, certain third party fees are waived at loan origination. If your account is paid in full and closed within 24 months, you will be required to reimburse the credit union for 50% to 100% (depending on when you close the account) of the closing costs paid on your behalf upon closing your account. See your Home Equity Line of Credit Agreement (for home equity lines of credit) or Closing Disclosure (for home equity loans) for all fees related to this Agreement.  (3) Must be in first lien position. Funds cannot be used for purchases. The estimated payment on a $150,000, 10-year fixed-rate loan at 4.15% APR is $1,532.26. The estimated payment on a $150,000, 15-year fixed-rate loan at 4.65% APR is $1,161.53. Floor rate on this loan is 4.15% APR.
  • (1) Member-owners qualify for these products when using primary and secondary vacation homes for collateral. Investment properties do not qualify.

    (2) If an appraisal is deemed necessary, an appraisal fee will be collected at that time; total cost approximately $400-$600 and is non-refundable if the borrower does not close their home equity loan with Truliant. FEES IMPOSED BY THIRD PARTIES: If your home is located in SC or GA, an attorney in that state will charge approximately $400-$500 to close your home loan. For all states, certain third party fees are waived at loan origination. Your Loan Estimate will list these costs. If your account is paid in full and closed within 24 months, you will be required to reimburse the credit union for 50% to 100% (depending on when you close the account) of the loan origination fees paid on your behalf upon closing your account depending on when you close the account. See your Settlement Statement for all fees related to this Agreement. 

  • The most important feedback we get comes from our member-owners. We’re interested in hearing about your experience with Truliant’s products and services. Please provide a detailed review of your experience with this product. Our goal is to provide you with superior service, so you can focus on what really matters.
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