|
Home Equity: Get your home ready for fall
We'll cover your closing costs—for a limited time!
This time of year, your home becomes the center of your family's life—where happy memories are made. If it's time to spruce things up, we can help! For a limited time, we'll cover your closing costs* (excluding your appraisal) when you open a Home Equity Loan or Line of Credit at Heritage Grove.
You can afford to do even more with great rates as low as 3.99% APR**. And with no closing costs, you can save up to $1,500 when you apply now!
Do you already have a home equity loan somewhere else? Let us help you save when you bring it to Heritage Grove. We'll walk you through the process and make it easy to get a better deal.
Let's get your home ready for fall! Just click here to get started, give us a call at 503-588-0211 or stop by the branch today.
Offer applies to new Heritage Grove home equity loans or home equity lines of credit (HELOCs) only. Minimum loan amount is $10,000; maximum loan amount is $200,000.
* Heritage Grove will pay all home equity closing costs unless an appraisal is required. If an appraisal is required, the cost will be paid by the applicant(s). Estimated third-party fees (closing costs) paid by the credit union range from $277 - $1,500. Maximum Loan-to-Value (LTV) is 90%. If the fixed-rate loan is paid off or the HELOC minimum balance drops below $5,000 during the first 12 months, the credit union-paid closing costs will be added to the loan payoff amount. Limited time offer. Offer subject to change without notice.
** Fixed and variable home equity rates available. The Annual Percentage Rate (APR) you receive may be as low as the rate listed in this article. The rate listed includes all available discounts. Rates are based on credit score, loan-to-value of property and loan term. Minimum fixed APR 3.99%. Maximum term of 180 months. As of 10/1/2016, current variable APR 4.24%, maximum 8.24%. Maximum draw period of 84 months with amortization over 180 months. Variable rate based on U.S. Prime Rate listed in the Wall Street Journal plus a margin, with a floor of 3.99% APR and a ceiling of 18% APR. Rates are subject to change. Your rate may be higher. You will be provided the rate for which you qualify when your loan is approved. |
 Now take a skip—any time you like!
Free up additional cash by skipping your Heritage Grove loan payment.
Need a little extra cash? Leave your troubles behind—just take a skip!
We've revamped our Skip a Payment program. Now, you can skip a loan payment any time you like—not just during the holiday season—for only $35. You can skip a payment on any consumer loan, excluding mortgage and home equity loans.
Some restrictions do apply, so be sure and review our Skip a Payment form for more details. Be sure to submit the form at least seven days before the due date of the payment you wish to skip. Give yourself some breathing room with Heritage Grove's Skip a Payment!
|
 Buying your dream car in three easy steps
It’s easier than you think—and Heritage Grove is here to help!
Step 1. Call Heritage Grove and get pre-approved for your auto loan. This way, you'll know exactly what you can afford. We can get you pre-approved and ready to go shopping—usually the same day. Plus, your pre-approval is good for 60 days, ensuring you'll have plenty of time to shop around.
Step 2. Do your homework. Visit consumer and manufacturer’s websites to learn about the safety, reliability and gas mileage of your preferred vehicle. Visit our Vehicle Loan Tools page to verify the vehicle’s value with Kelly Blue Book or NADA. You can also check out Heritage Grove’s Car-Buying Service, powered by TRUECar®, which allows you to see what other people have paid for the same vehicle and where to find it.
Step 3: Be a smart shopper. Know what additional protection or features you might want when you go into the dealership. Do you want GAP protection? (Hint: If you are financing 80% or more, the answer is yes, you do!) Will the factory warranty cover everything, or do you want to add a mechanical breakdown policy? How much are you willing to add to your payment, and what makes financial sense in your circumstance?
Don't forget that you will pay DMV fees—$77 if it is already registered and tagged, $194 if it is coming in out of state—and an additional fee to the dealership for facilitating this for you.
Ready to get started? You can apply for an auto loan anytime using our mobile app, online or by phone at 503-588-0211—just ask loan officer Elena or Arielle if you have any questions! |
 Free educational seminar hosted by Heritage Grove
Learn the basics of being a savvy home-buyer!
Home-Buying Seminar—Thursday, October 27, 6:00–7:30 pm. Buy your first—or next—home with confidence! Learn the secrets from the experts about financing your home purchase or renovation, including the differences between home equity loans and lines of credit. Click here or call 503-588-0211 to reserve your spot.
This educational seminar is free to members and non-members and is held at the Heritage Grove branch. A light dinner will be provided. Hope to see you there! |
|
