Getting Help With Life’s Challenges

Is it too early to think about the holidays? No!

Are you planning to spruce up your home to accommodate visitors from the Mainland? Hmmm, good idea!

Does Las Vegas beckon, and you’d love to have a second home there? Yes, yes, yes!

Lucky you! Aloha Pacific Federal Credit Union has loan programs to suit all of your needs, including a holiday loan, a home-improvement loan and mortgage programs.

Or there’s APFCU’s all-in-one solution, an extraordinary Home Equity Line of Credit with a low, 3.5% APR (annual percentage rate), fixed for 35 months and adjusted quarterly thereafter. The current index rate is 5% APR.

The terms include:
• No credit union closing cost
• No annual fee
• No prepayment penalty
• $350 discount on third-party fees for loans up to $250,000
• Free checks or online transfers • Plus, the interest may be tax deductible (contact your tax advisor)

Visit any APFCU branch or go to www.alohapacific.com for details. Call 531-3711.

Offer effective 08/12/2012, subject to membership ($100 in Savings), approval & may change or terminate at any time. The owner-occupant introductor y rate is fixed for 35 months at closing. After 35 months, the rate is variable, adjusted quarterly based on the prime rate plus 1.00% as published in the Wall Street Journal (5.00% minimum & 18.00% maximum) with a 10-year draw & 30-year amortization period. No credit union closing cost, annual fee or prepayment penalty. $350 discount on 3rd party fees ($350-$1,200 estimated) for loans up to $250,000 (maximum), excludes existing APFCU HELOCs refinancing. Minimum draw amounts of $1,000. Fire, hurricane & applicable flood insurance required. Contact APFCU for applicable fees & terms.

Locations Hawaii
Michael Marks
Sandwich Isles Realty
Kimo Smigielski, Broker-in-Charge
R, ABR, CRS, GRI, e-PRO
Hawaii Life Real Estate Brokers
Emily Garcia
Agent, REALTOR(A), RS-77391
Coldwell Banker
DAY-LUM Properties

Edith Crabb, RB-8195
Coldwell Banker
DAY-LUM Properties

Glenn Takase, RB-18547
Coldwell Banker
DAY-LUM Properties

Misti R. Tyrin, RS-75836
Coldwell Banker
DAY-LUM Properties

David L. Skeele, RB-12882
Kauai Landmark Realty
Phil Fudge, RB-18576
Claire Keaton, RS-73854
Coldwell Banker
DAY-LUM Properties

Shea Miyashiro, RS-64678
Coldwell Banker
DAY-LUM Properties

Atsuko Winston, RS-75899
Coldwell Banker
DAY-LUM Properties

Mark Skeele, RS-77005