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Home Equity Loan features.

Competitive Low Fixed Rates

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With a low fixed rate borrowing against the equity in your home may be a better option than other types of loans.
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Interest May Be Tax Deductible

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Ask your tax advisor if the interest you pay will be tax deductible based on what you’re using the money for.
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Terms That Will Fit Your Needs

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Allegiance offers budget-friendly repayment terms that are custom tailored to your unique needs.
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CONSOLIDATE DEBT

Low Rates Make Debt Consolidation Affordable

One of the most popular uses for a Home Equity Loan is for debt consolidation.

If you have high interest rate credit cards or loans paying them off with a lower rate Home Equity Loan can save you a lot of money.
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HOME IMPROVEMENTS

Get That Dream Kitchen

Many people use the equity in their homes to make improvements that further increase the value of their home. If you’ve been wanting to add on to your home or spruce up space in your home, a Home Equity Loan makes it affordable.

Want an alternative to using your home equity and need cash fast? Check out our Quick Cash Home Improvement Loan.
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THE EXPERIENCE OF A LIFETIME

Embrace The Adventure

Is a dream vacation, destination wedding, or anniversary calling your name?

Use the equity in your home to secure a low rate Home Equity Loan to make the experience of a lifetime more budget-friendly than you thought possible.
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Home Equity Loan Rates

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*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.
*** Call for details.

Home Equity Loan Rates
Term
APR* (as low as)
Max. LTV**
Term
5 Year
APR* (as low as)
3.250%
Max. LTV**
90%
Term
8 Year Retire It***
APR* (as low as)
1.875%
Max. LTV**
80%
Term
10 Year
APR* (as low as)
3.500%
Max. LTV**
90%
Term
15 Year
APR* (as low as)
3.750%
Max. LTV**
90%
Effective November 16, 2020

*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.
*** Call for details.

EASY & AFFORDABLE

Flexibility To Improve Your Finances

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Medical Expenses
You can even use a Home Equity Loan to pay for medical expenses.
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Cash Out Refinance
You can even use a Home Equity Loan to get cash!
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Refinance Your Mortgage
Yup, you can do that too with a Home Equity Loan!
With no limits on how you can use the money from your Home Equity Loan, the benefits of this low rate low are nearly endless! How will you use the equity in your home?
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joyful adult daughter greeting her elderly mother
Medical Expenses
You can even use a Home Equity Loan to pay for medical expenses.
payroll clerk counting money
Cash Out Refinance
You can even use a Home Equity Loan to get cash!
brown and white wooden house
Refinance Your Mortgage
Yup, you can do that too with a Home Equity Loan!
DEBT CONSOLIDATION

Claim your FREE copy!

A Definitive Guide

Having some debt is normal for most people these days and it can add up and become overwhelming. Find out if consolidating debt is right for you.

What this guide includes:
  1. When do you need to consolidate
  2. How to set goals for consolidation
  3. Home Equity Loan vs. HELOC 
  4. Home Equity Loan Calculators
CAPITALIZE ON YOUR EQUITY

One Loan Solution For Many Needs!

Using the equity in your home to pay for expenses is a great low-rate way to make the things you need affordable. From consolidating your higher rate debt to taking a dream vacation a Home Equity Loan is budget-friendly and flexible to create repayment terms that work for you.

There is no early payoff penalty and you can save money on interest by paying extra towards your principal balance any time you’d like.

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Depending on how you use the funds, the interest you pay could be tax deductible. We encourage you to speak with a tax professional to see if there could be tax benefits to using a Home Equity Loan to pay for certain expenses.

Don't wait any longer, ask yourself how you could use the equity in your home!

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FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

How much can I borrow?

You can borrow up to 90% Loan-To-Value, which means up to 90% of the home’s overall value. 

Can I pay extra on the principal?

Yes, you can apply extra towards the principal balance of your loan.

Are there any penalties for paying off my loan early?

No, we do not charge early payoff penalties at ACU. 

What can I use a Home Equity Loan for?

Home improvement projects, debt consolidation, and vacations are just a few of the things you can use a Home Equity Loan for.

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Free Financial Calculators

Access our complete library of both loan and deposit calculators.