Second
Leverage Your EquitySegundas hipotecas
If you’re looking to tap into the equity you’ve built in your home, a second mortgage may be the perfect solution. At Hercules First Federal Credit Union, we offer both Second Mortgages to help you finance home improvements, consolidate debt, or cover other major expenses—all while keeping your first mortgage intact.
Características principales
Access Your Home’s Equity
Use the funds for home renovations, debt consolidation, education expenses, or anything else you may need.
Fixed-Rate Options
Lock in a low, consistent rate that won’t change throughout the term of the loan, providing you with predictable monthly payments.
Tarifas competitivas
Take advantage of some of the best rates available for second mortgages, helping you save money over the life of the loan.
Condiciones flexibles
Choose a loan term that works best for your budget and goals.
No Prepayment Penalties
Pay off your second mortgage early without any additional fees.
HELOC
HELOCLínea de crédito con garantía hipotecaria (HELOC)
A Home Equity Line of Credit (HELOC) from Hercules First Federal Credit Union is a flexible and affordable way to tap into your home’s equity. Whether you’re funding home renovations, consolidating debt, or covering other significant expenses, a HELOC offers you the freedom to borrow what you need when you need it—without the hassle of applying for a new loan every time.
Key Benefits of a Hercules Home
Equity Line of Credit (HELOC)
Need flexible access to funds that work like a credit card? A HELOC from Hercules offers a convenient, low-rate solution.
Use your line of credit repeatedly—borrow, repay, and borrow again without having to reapply.
Enjoy a variable interest rate that adjusts with the market.
Choose interest-only payments during the first 10 years to help manage cash flow.
Finance up to 80% of your home’s combined loan-to-value.
Take advantage of no fees or closing costs on loans up to $250,000₂.
Rate based on the prime rate as published in the Wall Street Journal. See terms for additional details.
Higher amounts available. See your Hercules loan professional for information.
Equity
Tap Into Your Home's EquityLínea de crédito con garantía hipotecaria (HELOC)
A Línea de crédito con garantía hipotecaria (HELOC) from Hercules First Federal Credit Union is a flexible and affordable way to tap into your home’s equity. Whether you’re funding home renovations, consolidating debt, or covering other significant expenses, a HELOC offers you the freedom to borrow what you need when you need it—without the hassle of applying for a new loan every time.
Key Benefits
Access to Funds as Needed
Borrow and repay funds as needed up to your approved credit limit, giving you the flexibility to manage your finances on your terms.
Tarifas competitivas
Enjoy lower interest rates compared to personal loans or credit cards, making it an affordable way to borrow.
Interest-Only Payments (During Draw Period)
In the initial draw period, you can opt to make interest-only payments, keeping your monthly payments lower.
Potential Tax Deductibility
Interest paid on a HELOC may be tax-deductible if used for home improvements (consult a tax advisor for details).
Condiciones de préstamo flexibles
Choose a repayment schedule that fits your budget, with the ability to borrow against your home’s equity for major projects, education, or other financial goals.
HELOC
HELOC optionsLo que ofrecemos
Flexible Access to Funds
Draw on your available credit line whenever you need it, without reapplying for a new loan each time.
Variable Rate Options
Choose between fixed or variable interest rates, depending on your preference and financial goals.
Draw Period:
During the draw period (10 years), you can access funds and make payments based on your usage, with the option for interest-only payments.
Repayment Period
After the draw period ends, the repayment period begins, and you’ll make principal and interest payments until the loan is paid off.
Solicita ahora
A HELOC is an ideal solution if you want ongoing access to funds with lower interest rates and greater flexibility than traditional loans. Whether you’re planning a home renovation, consolidating debt, or covering large expenses, Hercules First Federal Credit Union is here to guide you through the process. Contact our mortgage specialists today to see how a HELOC can help you achieve your financial goals.
Questions or Close a Mortgage
Solicite una cita para hablar con un especialista en hipotecas:
Tarifas
Consulta nuestras tarifasTasas de interés para segundas hipotecas
Tarifas vigentes al 26 de agosto de 2026.
* Tasa de Porcentaje Anual. Las tasas y condiciones se basan en la solvencia crediticia, la relación préstamo-valor (LTV), la ocupación, el propósito del préstamo y el monto del préstamo, por lo que su tasa y condiciones pueden variar. Se ofrece financiamiento con una LTV de hasta 90% para viviendas unifamiliares independientes, sujeto a la solvencia crediticia. Todas las tasas y condiciones indicadas se aplican a propiedades ocupadas por el prestatario.
Home Equity Lines – Fees, generally ranging from $50 to $1000 may be incurred depending on loan amount and loan-to-value (LTV). Maximum APR on variable rate is 18%.
Disponemos de otras tarifas y condiciones; llame para obtener más información.