| Loans | APR | Maximum Term |
|---|---|---|
| 30 Year Fixed Rate | Call 1-800-239-6033 for the latest rate | 30 years |
| 15 Year Fixed Rate | Call 1-800-239-6033 for the latest rate | 15 years |
* All rates and terms are subject to change without notice.
All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender.
| Loans | APR | Maximum Term |
|---|---|---|
| 3/3 Adjustable Rate Mortgage | as low as 2.75% | 3 years (amortized over 30 years) |
| 5/5 Adjustable Rate Mortgage | as low as 3.00% | 5 years (amortized over 30 years) |
* All rates and terms are subject to change without notice.
All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender. The annual percentage rates (APR) on adjustable-rate home loans may vary and are subject to change after consummation. Please call a loan officer for down payment information.
| Loan Type | APR | Maximum Term |
|---|---|---|
| Construction Loan | as low as 5.49% | 12 months |
* All rates and terms are subject to change without notice.
All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender.
| Loans | APR | Maximum Term |
|---|---|---|
| Land Loan | as low as 4.75% | 20 years |
* All rates and terms are subject to change without notice.
All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender.
NMLS# 449408
256.383.9204, ext. 1222
saldridge@listerhill.com
NMLS# 207237
256.383.9204, ext. 3813
cneill@listerhill.com
NMLS# 198718
256.383.9204, ext. 1386
vbroadfoot@listerhill.com
NMLS# 1816083
256.383.9204, ext. 2941
arobinson@listerhill.com
NMLS# 1872232
256.383.9204, ext. 1348
mprestage@listerhill.com
A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land.
Once you’re ready to build, you can secure a different type of loan to cover construction costs.
If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.
If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.
Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks. If you can dream it, you can achieve it!
Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.