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Routing # 307086691 | Wiring Instructions

Fixed Term Home Equity Loans For The Cash You Need

Low fixed rates on a consistent montly payment schdule are some of the biggest benefits to a second mortgage at WyHy.

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Use the equity you’ve built up in your home for just about anything from home improvements, paying for a wedding or even a college education, all at one of the lowest loan rates we offer.  So if you own property in the state of Wyoming, enjoy all these Home Equity Loans benefits:

  • Loan to Value: Up to 90%
  • Cash: will be dispersed in one lump sum at loan closing
  • Payments will remain the same through the term of the loan.
  • Repayment Terms: You have several options to choose from, ranging from 5 years up to 20 years. Terms are based on your credit score and loan amount.
  • Interest Rates: Based on your credit score, loan to value, and term selected.
  • Closing Fee: Fees will vary and are based on loan amount and loan to value. Fees may include, but are not limited to: appraisal fee, document preparation, flood certification, origination fee, recording fee and title insurance.
  • Early Payoff Penalty: None
  • Late Fees: The greater of 5% of the payment, or $25 after 10 days
  • Interest: Monthly 360 day accrual
  • Make your monthly payments through a variety of convenient methods: in person, by mail, through auto deduction or payroll deduction, or using our Online Banking or telephone banking
  • Receive statements via Online Banking, or through the mail: Members who select eStatements via Online Banking can view their statements on the 1st day of each month.

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Rates and maximum loan terms are dependent on credit qualifications and loan-to-value (LTV) percentage. The rate will be based on a rate formula. The Index will be the Wall Street Journal Prime Rate. The Margin will be based on the borrower’s credit score and the LTV. Home Equity or real estate secured loans are limited to properties located in the state of Wyoming. Your actual rate is based on previous credit performance. All loans subject to final credit approval. Contact the Credit Union for full details. Consult your tax advisor concerning the deductibility of interest.

Home Equity Lines of Credit (HELOCs) Disclosures