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Last Updated: 04/18/2025

Sun Pacific FCU Home Equity Line of Credit

in Home Equity Lines of Credit from Sun Pacific Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

N/A

Maximum LTV

N/A

Minimum Draw

N/A

Loan Term (Years)

Sun Pacific FCU Home Equity Line of Credit Review

Sun Pacific FCU Home Equity Line of Credit is offered by Sun Pacific Federal Credit Union , a credit union founded in 1946 and based in Richmond, CA. Sun Pacific FCU Home Equity Line of Credit are available in 1 state.

Key Takeaways

Only primary residences considered. Sun Pacific FCU Home Equity Line of Credit does not offer financing for vacation homes or investment properties.
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 Sun Pacific FCU Home Equity Line of Credit.

Sun Pacific FCU Home Equity Line of Credit Pros & Cons

Pros

Cons

Charges an origination fee.
Charges prepayment fees.
Only available in 1 state.

Sun Pacific FCU Home Equity Line 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 $500,000. 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.

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does Sun Pacific FCU Home Equity Line of Credit charge for a HELOC?

Sun Pacific FCU Home Equity Line of Credit may charge an origination fee.

What types of property can you use as security for a HELOC with Sun Pacific FCU Home Equity Line of Credit?

Sun Pacific Federal Credit Union may consider HELOCs secured by the following property types:

Primary residences

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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

1221 Nevin Ave

Frank Hagel Federal Building

Richmond, CA 94801

(510) 970-1181

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:45AM - 3:45PM

Tuesday

9:45AM - 3:45PM

Wednesday

9:45AM - 3:45PM

Thursday

9:45AM - 3:45PM

Friday

9:45AM - 3:45PM

Saturday

Closed

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SuperMoney Net Recommendation Score

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-1000+100

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