Finance Those Projects with Aloha Pacific FCU’s HELOC
Summer is the perfect time to complete all the projects you’ve been thinking about. Kitchen and bathroom renovations? Landscaping upgrade? That vacation you’ve been putting off?
All things big and small can be accomplished with the help of Aloha Pacific Federal Credit Union’s Home Equity Line of Credit:
• 0.50% APR* for one year OR
• 2.50% APR* for three years OR
• 3.50% APR* for five years
• Make interest-only payments for the first 10 years
• After the initial term (one, three or five years), the APR is variable, currently 5.00% APR* based on the indexed rate as of June 14, 2018
• No annual fee
• Receive up to $500 in closing costs
Look to Aloha Pacific FCU for your financing solution. Save time by applying online at alohapacific.com or visit any APFCU branch. Call 808-531-3711 for more information.
*Rates effective 6/14/18 and subject to change. Program may be modified or canceled at any time. Membership ($5 in Regular Savings) required. Subject to credit approval. APR = Annual Percentage Rate. After your chosen initial promotional period, the APR is variable and subject to change, based on the Prime Rate published in the Wall Street Journal, with no added margin, and adjusted quarterly (3.75% minimum & 18.00% maximum). Program is a 10-year draw with interest-only payments and 20-year amortization period. Maximum line: $250,000. Applies to owner-occupied properties with required homeowner’s and hurricane insurance; flood insurance required if property is located in flood zone. Maximum loan-to-value of 80% in Hawaii; maximum loan-to-value of 70% in Nevada. Estimated 3rd party fees (ALTA policy, appraisal, trust review & attorney, etc.) for a $250,000 HELOC are $250 to $3,800. APFCU offers up to $500 closing credits against all 3rd party fees with an initial draw of $10,000 or more at closing; all closing credits paid by APFCU must be reimbursed if the loan is closed before 36 months from the opening date. Some restrictions may apply. See branch for details on applicable fees, and for other available rates and terms.
Summer Heats Up the Housing Market
Summer is here and that means the housing market is in full swing.
Now here’s even better news: APFCU members can save big! While most real estate firms charge a seller’s commission of 6 percent, APFCU members are charged 4.5 percent and are provided quality, comprehensive service. That’s a savings of $11,670 for a home sold at the current median price of $778,000!
For more information, call Realtor Reyn Uehara at (808) 383-8072 or email him at reyn. uehara@alohapacificpremierrealty. com. He can provide you with a free comparative market analysis to give you an idea of what your property is worth. Or if you’re a buyer, Reyn can help you navigate the market and put you into position to get your offer accepted.