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Last Updated: 04/18/2025

First Financial FCU Home Equity Lines of Credit

from First Financial Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

$10,000 - $250,000

Maximum LTV

N/A

Minimum Draw

N/A

Loan Term (Years)

Up to 20

First Financial FCU Home Equity Lines of Credit Review

First Financial FCU Home Equity Lines of Credit is offered by First Financial Federal Credit Union (NMLS #400001), a credit union founded in 1953 and based in Sparks Glencoe, MD. First Financial FCU Home Equity Lines of Credit are available in 50 states and Washington, DC.

Key Takeaways

Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
No-closing-cost mortgages available. This option allows you to include the closing costs into the new loan, so you don't pay for these expenses upfront.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for First Financial FCU Home Equity Lines of Credit.

First Financial FCU Home Equity Lines of Credit Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

First Financial FCU Home Equity Lines of Credit FAQ

How much can you borrow with a HELOC?

HELOCs are lines of credit secured by your home. Once approved, you can access funds by check, phone, credit card, or online up to your credit limit.

Borrowers can apply for lines of credit of up to $250,000. The maximum amount depends on property value, existing mortgage balance, and creditworthiness.

Typically, borrowers with good credit can qualify for up to 85% of the property value, minus the balance on their first mortgage.

What are the terms for First Financial FCU Home Equity Lines of Credit?

HELOCs include a draw period followed by a repayment period. During the draw period, borrowers can access funds as needed up to the credit limit.

First Financial FCU Home Equity Lines of Credit offers home equity loans with a maximum term of 20 years and a draw period of up to 10 years.

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does First Financial FCU Home Equity Lines of Credit charge for a HELOC?

First Financial FCU Home Equity Lines of Credit may charge an origination fee.

What types of property can you use as security for a HELOC with First Financial FCU Home Equity Lines of Credit?

First Financial Federal Credit Union may consider HELOCs secured by the following property types:

Primary residences
Secondary or vacation homes

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

72 Loveton Cir

Sparks Glencoe, MD 21152

(800) 903-3328

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:30AM - 5:00PM

Tuesday

8:30AM - 5:00PM

Wednesday

8:30AM - 5:00PM

Thursday

8:30AM - 5:00PM

Friday

8:30AM - 5:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

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