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Last Updated: 04/18/2025

Health Advantage CU Fixed Rate Home Equity Line of Credit

from Health Advantage Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

Starting at $10,000

Maximum LTV

80%

Loan Term (Years)

Health Advantage CU Fixed Rate Home Equity Line of Credit Review

Health Advantage CU Fixed Rate Home Equity Line of Credit is offered by Health Advantage Credit Union , a credit union founded in 1970 and based in Saginaw, MI. Health Advantage CU Fixed Rate Home Equity Line of Credit are available in 50 states and Washington, DC.

Key Takeaways

Only primary residences considered. Health Advantage CU Fixed Rate 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.
Maximum LTV. Health Advantage CU Fixed Rate Home Equity Line of Credit has a maximum loan to value ratio of 80%.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Health Advantage CU Fixed Rate Home Equity Line of Credit.

Health Advantage CU Fixed Rate Home Equity Line of Credit Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

Health Advantage CU Fixed Rate Home Equity Line of Credit FAQ

What are the home equity loan requirements of Health Advantage CU Fixed Rate Home Equity Line of Credit

This lender's maximum loan to value rate is 80%. That means the total debt secured by the property cannot exceed 80% 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 $60k.

Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate.

What fees does Health Advantage CU Fixed Rate Home Equity Line of Credit charge for a home equity loan?

Health Advantage CU Fixed Rate Home Equity Line of Credit may charge a loan origination fee

What types of property can you use as security for a home equity loan with Health Advantage CU Fixed Rate Home Equity Line of Credit?

Lenders often have restrictions on the type of properties they will accept as security for a home equity loan. Health Advantage CU Fixed Rate Home Equity Line of Credit will consider loans secured by the following property types:

Primary home.

Is Health Advantage Credit Union a legit company?

Health Advantage Credit Union was founded in 1970, it is a well-established company that has been in business for 56 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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

4550 State St

Saginaw, MI 48603

(989) 791-7070

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:30AM - 5:00PM

Tuesday

8:30AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

8:30AM - 5:00PM

Friday

8:30AM - 5:00PM

Saturday

9:00AM - 12:30PM

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SuperMoney Net Recommendation Score

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-1000+100

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