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Coosa Pines Federal Credit Union
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Real Estate Loans
Coosa Pines Federal Credit Union offers a variety of fixed and variable rate real estate loans. Our mortgages offer competitive interest rates and low closing costs, along with terms to fit your needs.

7 Year Quick Close Loans
7 Year Quick Close Loans are adjustable rate mortgage loans secured by your primary residence or 2nd home. This can be a first or second mortgage. The minimum loan amount is $5,000 and the maximum is $35,000. The rate is subject to change on an annual basis. You pay for the appraisal, if needed, and the credit union pays the closing costs. The credit union pays the closing costs*.

First and Second Mortgages
Fixed Rate Mortgages
These real estate loans offer a wide variety of rates and terms such as seven, ten, twelve, and fifteen year fixed rate loans.

Adjustable Rate Mortages
We offer Adjustable rate mortgage (ARMs) loans secured by your primary residence. Our ARMs have a fixed interest rate for an initial period of 1, 3, or 5 years. The rate is then adjusted on an annual basis. Our ARMs have a term of up to 30 years.

If an appraisal is requested or required, you will be required to pay for the appraisal. You will also be required to pay all closing costs.

Advantages of a credit union real estate loan:
  • no application fees
  • no pre-payment penalties
  • no points

Home Equity Loans
Put the equity in your home to work for you. Use it for home improvements, to purchase your next vehicle, put your kids through college, take that long needed vacation. Our "Mini-HELOC" features a minimum advance of $3,000 and an adjustable rate, reviewed annually. Other features include:
  • No closing costs*
  • No appraisal necessary
  • Revolving Line of Credit
  • Maximum $35,000 limit
  • Interest tax deductible**
** Some restrictions may apply
*Offer good only on 1) New Mini Home Equity Line of Credit (HELOC) or 2) 7-year Quick Close
  1. New Mini Home Equity Line of Credit
    1. We will pay standard closing costs if your initial advance is between $3,000 and $35,000 and the line of credit remains open for at least 365 days.
  2. 7-year Quick Close
    1. We will pay standard closing costs if you initial advance is between $5,000 and $35,000 and the line of credit remains open for at least 365 days.
*You must pay all closing costs if your loan is paid off within one year. Closing costs are estimated between $800 and $1500.

Property insurance is required. Available equity is based upon the current assessed value of your property. If an appraisal is requested or required, you will be required to pay for the appraisal. The maximum rate that can apply is 18% APR (annual percentage rate).


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