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Last Updated: 04/18/2025

First Harvest Credit Union Home Equity Loans

in Home Equity Loans from First Harvest Credit Union

Last Updated: 04/18/2025

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Credit Score Range

N/A

Amount Range

Starting at $75,000

Maximum LTV

90%

Loan Term (Years)

Up to 15
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First Harvest Credit Union Home Equity Loans Review

First Harvest Credit Union Home Equity Loans is offered by First Harvest Credit Union (NMLS #771963), a credit union founded in 1940 and based in Deptford, NJ. First Harvest Credit Union Home Equity Loans are available in 2 states.

Key Takeaways

  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for financing. However, First Harvest Credit Union Home Equity Loans does offer financing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • High maximum LTV ratio. First Harvest Credit Union Home Equity Loans has a maximum loan to value ratio of 90%.

First Harvest Credit Union Home Equity Loans Pros & Cons

First Harvest Credit Union Home Equity Loans FAQ

What are the home equity loan requirements of First Harvest Credit Union Home Equity Loans

This lender's maximum loan to value rate is 90%. That means the total debt secured by the property cannot exceed 90% of its value. Let's say you own a property with a current market value of $100k, but you still owe $20k on your mortgage. Your equity would be $80k. In this scenario, if you have good credit, you may qualify for a line of credit of up to $70k.
Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate.

What fees does First Harvest Credit Union Home Equity Loans charge for a home equity loan?

First Harvest Credit Union Home Equity Loans may charge a loan origination fee

What types of property can you use as security for a home equity loan with First Harvest Credit Union Home Equity Loans?

Lenders often have restrictions on the type of properties they will accept as security for a home equity loan. First Harvest Credit Union Home Equity Loans will consider loans secured by the following property types:
  • Primary home.
  • Secondary homes and vacation properties.

Is First Harvest Credit Union a legit company?

First Harvest Credit Union was founded in 1940, it is a well-established company that has been in business for 86 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Contact

Headquarters

1615 Hurffville Rd
Deptford, NJ 08080
(856) 232-9000
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Hours of Operation

Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 6:00PM
Friday
8:30AM - 6:00PM
Saturday
9:00AM - 1:00PM

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