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Last Updated: 04/18/2025

Neches FCU Home Equity Loans

from Neches Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

N/A

Maximum LTV

80%

Loan Term (Years)

5 - 30

Neches FCU Home Equity Loans Review

Neches FCU Home Equity Loans is offered by Neches Federal Credit Union (NMLS #680503), a credit union founded in 1952 and based in Port Neches, TX. Neches FCU Home Equity Loans are available in 50 states and Washington, DC.

Key Takeaways

No primary residences considered. Neches FCU Home Equity Loans does not offer financing for primary homes.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
Maximum LTV. Neches FCU Home Equity Loans 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 Neches FCU Home Equity Loans.

Neches FCU Home Equity Loans Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

Neches FCU Home Equity Loans FAQ

What are the home equity loan requirements of Neches FCU Home Equity Loans

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 Neches FCU Home Equity Loans charge for a home equity loan?

Neches FCU Home Equity Loans may charge a loan origination fee

Is Neches Federal Credit Union a legit company?

Neches Federal Credit Union was founded in 1952, it is a well-established company that has been in business for 74 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

676 Magnolia Ave

Port Neches, TX 77651

(409) 860-0800

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Email Support

Hours of Operation

SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed

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SuperMoney Net Recommendation Score

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-1000+100

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