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Home Equity Lines of Credit
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Last Updated: 04/18/2025

Wildfire Credit Union HELOC

in Home Equity Lines of Credit from Wildfire Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

620 - 850

Amount Range

$5,000 - $250,000

Maximum LTV

N/A

Minimum Draw

N/A

Loan Term (Years)

10 - 25
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Wildfire Credit Union HELOC Review

Wildfire Credit Union HELOC is offered by Wildfire Credit Union (NMLS #1048376), a credit union founded in 1937 and based in Saginaw, MI. wildfire credit union are available in 50 states and Washington, DC.

Key Takeaways

  • Fair credit accepted. Borrowers with a credit score as low as 620 may qualify for Wildfire Credit Union HELOC.
  • Only primary residences considered. Wildfire Credit Union HELOC 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.

Wildfire Credit Union HELOC Pros & Cons

Wildfire Credit Union HELOC 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 Wildfire Credit Union HELOC?

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.
Wildfire Credit Union HELOC offers home equity loans with terms ranging from 10 to 25 years.

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does wildfire credit union charge for a HELOC?

Wildfire Credit Union HELOC may charge an origination fee.

What types of property can you use as security for a HELOC with wildfire credit union?

Wildfire 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

6640 Bay Rd
Saginaw, MI 48604
(800) 227-2328
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Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 6:00PM
Saturday
Closed

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