No Closing Cost HELOC*
Turn Your Home’s Equity Into Opportunity
Unlock the potential of your home to achieve your financial goals. Whether you’re planning a long-awaited renovation, consolidating high-interest debt, or tackling major expenses, a No Closing Cost HELOC (Home Equity Line of Credit) gives you the financial flexibility to make it happen. With the value you’ve built in your home, you can access funds to turn your dreams into reality, all while saving on upfront costs.
Our No Closing Cost HELOC offers both adjustable-rate and fixed-rate options, tailored to fit your needs. You’ll have the freedom to draw funds as needed, ensuring you’re always prepared for life’s opportunities and challenges. Plus, with competitive rates and no closing costs, you can maximize your home’s value while keeping more money in your pocket. Now is the time to take advantage of the equity you’ve built and turn your home’s equity into opportunity.
Benefits include:
- No closing costs*
- No application fees
- No prepayment penalties
- Close your loan in less than 30 days
- Borrow up to 80% of your home’s appraised value
- Automatic loan payment options
Call us at 770-448-8200 ext. 2241 with any questions or to meet with an experience mortgage specialist. Consult with your tax advisor about if you qualify for tax-deductible interest if you use your loan to “buy, build, or substantially improve.”
*Offer valid March 1, 2025 – May 31, 2025. Must apply by April 30, 2025. A closing cost credit of up to $400 is given at the time of closing. If closing costs exceed $400, the borrower is responsible for the amount exceeding $400. Borrower paid costs could include attorney fee ($350 - $600), post-closing fee ($100 - $250), title exam fee ($100 - $300), Georgia Residential Mortgage Loan fee of $10 (if property is located within the State of Georgia), recording fees ($25 - $250), any applicable state or local taxes and fees. Other fees or charges may apply. If an appraisal(s) is required, the borrower is responsible for the cost of the appraisal(s), which could be up to $1,300. Subject property must be the primary residence. Offer available in the states of Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. Minimum representative credit score of 680 required. Maximum 80% combined loan to value on Adjustable-Rate Home Equity Line of Credit with a loan amount of $10,000 to $250,000. Maximum 80% combined loan to value on Fixed-Rate Home Equity Line of Credit with a loan amount of $10,000 to $250,000. APR = Annual Percentage Rate. The annual percentage rate for the adjustable rate HELOC is based on the value of an index. The index is the “Prime Rate” published in the Money Rates section of the Wall Street Journal. The annual percentage rate for the adjustable rate HELOC may change on the first day of each calendar quarter. The current annual percentage rate as of 01/01/2025 is 7.50%. The maximum annual percentage rate is 18.00% with a floor of 4.00%. The current rate for the fixed rate HELOC as of 01/01/2025 is 8.75 – 9.25%. Fixed Rate HELOC rate subject to credit score tier. Rates subject to change based on market conditions. Terms may change at any time and some restrictions may apply. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #401922. Must be a member of Associated Credit Union. Joining Associated Credit Union requires a one-time $5 membership fee and a $5 deposit into the Share Account as the required opening balance. View the “Service Charge Information” document (https://www.acuonline.org/home/home/fiFiles/static/documents/acu389.pdf) for a complete list of service charges.
