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Last Updated: 04/18/2025

USAlliance Financial Home Equity Loans

in Home Equity Loans from USAlliance Federal Credit Union

Last Updated: 04/18/2025

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Credit Score Range

N/A

Amount Range

$25,000 - $500,000

Maximum LTV

90%

Loan Term (Years)

Up to 20
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USAlliance Financial Home Equity Loans Review

USAlliance Financial Home Equity Loans is offered by USAlliance Federal Credit Union , a credit union founded in 1966 and based in Rye, NY. USAlliance Financial Home Equity Loans are available in 50 states and Washington, DC.

Key Takeaways

  • No primary residences considered. USAlliance Financial 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.
  • High maximum LTV ratio. USAlliance Financial Home Equity Loans has a maximum loan to value ratio of 90%.

USAlliance Financial Home Equity Loans Pros & Cons

USAlliance Financial Home Equity Loans FAQ

How much can you borrow with a USAlliance Financial Home Equity Loans home equity loan?

A home equity loan allows homeowners to borrow money using their home as collateral (similar to a mortgage). Loan amounts vary depending on the value of the home minus the balance of any mortgages or liens on the property.
USAlliance Financial Home Equity Loans allows borrowers to apply for home equity loans of up to $500,000. The actual maximum loan amount will vary depending on the value of the property, how much you owe on it, and your creditworthiness.

What are the home equity loan requirements of USAlliance Financial 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 USAlliance Financial Home Equity Loans charge for a home equity loan?

USAlliance Financial Home Equity Loans may charge a loan origination fee

Is USAlliance Federal Credit Union a legit company?

USAlliance Federal Credit Union was founded in 1966, it is a well-established company that has been in business for 60 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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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

411 Theodore Fremd Ave
Suite 350
Rye, NY 10580
(800) 431-2754
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Email Support

Hours of Operation

Sunday
Closed
Monday
8:45AM - 4:30PM
Tuesday
8:45AM - 4:30PM
Wednesday
8:45AM - 4:30PM
Thursday
8:45AM - 4:30PM
Friday
8:45AM - 4:30PM
Saturday
9:00AM - 2:00PM

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