{"id":89,"date":"2025-04-08T15:10:26","date_gmt":"2025-04-08T15:10:26","guid":{"rendered":"http:\/\/hercules2025.wpengine.com\/?page_id=89"},"modified":"2026-08-11T14:59:07","modified_gmt":"2026-08-11T14:59:07","slug":"2nd-mortgages","status":"publish","type":"page","link":"https:\/\/herculescu.com\/es\/loans\/home-loans\/2nd-mortgages\/","title":{"rendered":"Segundas hipotecas"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"89\" class=\"elementor elementor-89\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d16d30a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d16d30a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ded2442\" data-id=\"ded2442\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82dc753 elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"82dc753\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>Segundo<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>Aprovecha tu capital <\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>Segundas hipotecas<\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Si desea aprovechar el capital acumulado en su vivienda, una segunda hipoteca puede ser la soluci\u00f3n ideal. En Hercules First Federal Credit Union, ofrecemos dos tipos de hipotecas para ayudarle a financiar mejoras en su hogar, consolidar deudas o cubrir otros gastos importantes, todo ello sin afectar su primera hipoteca.<\/p><h3>Caracter\u00edsticas principales<\/h3>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n              <div class=\"lmg-style-2-grid\">\n                                  <div class=\"row justify-content-center\">\n\t\t\t\t\t\t\t\t\t\t                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Acceda al capital de su vivienda<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Utilice los fondos para reformas en su hogar, consolidaci\u00f3n de deudas, gastos de educaci\u00f3n o cualquier otra cosa que pueda necesitar.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Opciones de tipo fijo<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Consigue una tasa de inter\u00e9s baja y constante que no cambiar\u00e1 durante la vigencia del pr\u00e9stamo, lo que te permitir\u00e1 realizar pagos mensuales predecibles.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Tarifas competitivas<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Aproveche algunas de las mejores tasas disponibles para segundas hipotecas, lo que le ayudar\u00e1 a ahorrar dinero durante la vigencia del pr\u00e9stamo.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Condiciones flexibles<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Elige el plazo del pr\u00e9stamo que mejor se adapte a tu presupuesto y a tus objetivos.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Sin penalizaciones por pago anticipado.<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Liquida tu segunda hipoteca anticipadamente sin comisiones adicionales.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                      <\/div>\n                              <\/div>\n\t\t\t\t\t\t\t                          <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9b72372 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9b72372\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-00415c1\" data-id=\"00415c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a38f58 graybg elementor-align-left elementor-widget elementor-widget-bdevs-about\" data-id=\"2a38f58\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"heloc\" data-widget_type=\"bdevs-about.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<!-- about-us-area-start -->\n        <div class=\"about-style-1 about-us-area pb\">\n            <div class=\"container\">\n                <div class=\"row\">\n                    <div class=\"col-xl-6 col-lg-6\">\n                        <div class=\"about-us-img about-us-style-1-img mb-30\">\n                            <img decoding=\"async\" src=\"http:\/\/hercules2025.wpengine.com\/wp-content\/uploads\/2025\/05\/Untitled-design-16.png\" alt=\"\">\n                        <\/div>\n                    <\/div>\n                    <div class=\"col-xl-6 col-lg-6\">\n                        <div class=\"about-us-wrapper mb-30\">\n                            <div class=\"section-title pos-rel\">\n                            \t                                <h1>L\u00ednea de cr\u00e9dito hipotecario<\/h1>\n                            \t                            \t                                <span class=\"line\">L\u00ednea de cr\u00e9dito hipotecario<\/span>\n                                                                                                <h2>L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC)<\/h2>\n                                                            <\/div>\n                            <div class=\"about-us-text pos-rel\">\n                            \t                                <p>Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) de Hercules First Federal Credit Union es una forma flexible y asequible de acceder al capital acumulado en su vivienda. Ya sea para financiar renovaciones, consolidar deudas o cubrir otros gastos importantes, una HELOC le ofrece la libertad de obtener el pr\u00e9stamo que necesita cuando lo necesita, sin la molestia de solicitar un nuevo pr\u00e9stamo cada vez.<\/p><h3>Llave <strong>B<\/strong>Beneficios de una casa H\u00e9rcules <br \/>L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC)<\/h3><p>\u00bfNecesita acceso flexible a fondos que funcionen como una tarjeta de cr\u00e9dito? Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) de Hercules le ofrece una soluci\u00f3n pr\u00e1ctica y con bajas tasas de inter\u00e9s.<\/p><ul><li data-start=\"324\" data-end=\"421\"><p data-start=\"326\" data-end=\"421\">Utilice su l\u00ednea de cr\u00e9dito repetidamente: pida prestado, pague y vuelva a pedir prestado sin tener que volver a solicitarla.<\/p><\/li><li data-start=\"422\" data-end=\"486\"><p data-start=\"424\" data-end=\"486\">Disfrute de un tipo de inter\u00e9s variable que se ajusta al mercado.<\/p><\/li><li data-start=\"487\" data-end=\"572\"><p data-start=\"489\" data-end=\"572\">Para facilitar la gesti\u00f3n del flujo de caja, elija pagos solo de intereses durante los primeros 10 a\u00f1os.<\/p><\/li><li data-start=\"573\" data-end=\"633\"><p data-start=\"575\" data-end=\"633\">Financiamos hasta el 801% del valor total de su vivienda (entre el pr\u00e9stamo y el valor de mercado).<\/p><\/li><li data-start=\"634\" data-end=\"706\"><p data-start=\"636\" data-end=\"706\">Aproveche la ausencia de comisiones o gastos de cierre en pr\u00e9stamos de hasta $250,000\u2082.<\/p><\/li><\/ul><p>Tasa basada en la tasa preferencial publicada en el Wall Street Journal. Consulte los t\u00e9rminos para obtener m\u00e1s detalles.<\/p><p>Hay disponibles montos mayores. Consulte con su asesor de pr\u00e9stamos de Hercules para obtener m\u00e1s informaci\u00f3n.<\/p>                            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"about-buttons-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"about-button\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"btn btn-sm\" target=\"_self\"  href=\"#heloc\">M\u00e1s informaci\u00f3n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lmg-far lmg-fa-circle-chevron-down\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"about-second-button\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"btn btn-sm\" href=\"https:\/\/herculescu.myori.com\/app\/ola\/ola-consumer-loan-type\" target=\"\">Solicita ahora\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lmg-far lmg-fa-paper-plane\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\t\t\t\t\t\t\t\t            <\/div>\n        <\/div>\n        <!-- about-us-area-end -->\n        \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cf9622b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cf9622b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6792992\" data-id=\"6792992\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d4a442 elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"1d4a442\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"heloc\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>Equidad<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>Aprovecha el valor de tu vivienda.<\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) <\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>A <strong>L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC)<\/strong> La l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) de Hercules First Federal Credit Union es una forma flexible y asequible de aprovechar el valor acumulado de su vivienda. Ya sea para financiar renovaciones, consolidar deudas o cubrir otros gastos importantes, le ofrece la libertad de obtener el pr\u00e9stamo que necesita cuando lo necesita, sin la molestia de solicitar un nuevo pr\u00e9stamo cada vez.<\/p><h3>Beneficios clave<\/h3>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n              <div class=\"lmg-style-2-grid\">\n                                  <div class=\"row justify-content-center\">\n\t\t\t\t\t\t\t\t\t\t                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Acceso a fondos seg\u00fan sea necesario<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Puedes solicitar y devolver fondos seg\u00fan tus necesidades, hasta alcanzar tu l\u00edmite de cr\u00e9dito aprobado, lo que te brinda la flexibilidad de administrar tus finanzas a tu manera.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Tarifas competitivas<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Disfrute de tipos de inter\u00e9s m\u00e1s bajos en comparaci\u00f3n con los pr\u00e9stamos personales o las tarjetas de cr\u00e9dito, lo que la convierte en una forma asequible de obtener financiaci\u00f3n.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Pagos de intereses \u00fanicamente (durante el per\u00edodo de disposici\u00f3n)<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Durante el per\u00edodo inicial de disposici\u00f3n de fondos, puede optar por realizar pagos solo de intereses, lo que le permitir\u00e1 mantener sus pagos mensuales m\u00e1s bajos.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Deducibilidad fiscal potencial<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Los intereses pagados sobre una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) pueden ser deducibles de impuestos si se utilizan para mejoras en el hogar (consulte con un asesor fiscal para obtener m\u00e1s detalles).<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-4 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Condiciones de pr\u00e9stamo flexibles<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Elija un plan de pago que se ajuste a su presupuesto, con la posibilidad de obtener un pr\u00e9stamo utilizando el valor de su vivienda como garant\u00eda para proyectos importantes, educaci\u00f3n u otros objetivos financieros.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                      <\/div>\n                              <\/div>\n\t\t\t\t\t\t\t                          <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-06808ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"06808ef\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b7787f5\" data-id=\"b7787f5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f78198 graybg elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"9f78198\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>L\u00ednea de cr\u00e9dito hipotecario<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>Opciones de HELOC<\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>Lo que ofrecemos<\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n              <div class=\"lmg-style-2-grid\">\n                                  <div class=\"row justify-content-center\">\n\t\t\t\t\t\t\t\t\t\t                                          <div class=\"col-lg-3 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Acceso flexible a los fondos<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Utilice su l\u00ednea de cr\u00e9dito disponible siempre que la necesite, sin tener que solicitar un nuevo pr\u00e9stamo cada vez.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-3 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Opciones de tasa variable<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Elija entre tipos de inter\u00e9s fijos o variables, seg\u00fan sus preferencias y objetivos financieros.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-3 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Per\u00edodo de sorteo:<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Durante el per\u00edodo de disposici\u00f3n de fondos (10 a\u00f1os), podr\u00e1 acceder a los fondos y realizar pagos en funci\u00f3n de su uso, con la opci\u00f3n de realizar pagos solo de intereses.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                          <div class=\"col-lg-3 col-md-6 col-sm-6 text-center\">\n                        <div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3>Per\u00edodo de reembolso<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t                          <p>Una vez finalizado el per\u00edodo de disposici\u00f3n de fondos, comienza el per\u00edodo de reembolso, durante el cual realizar\u00e1 pagos de capital e intereses hasta que el pr\u00e9stamo est\u00e9 totalmente saldado.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t                                                  <\/div>\n                      <\/div>\n                                      <\/div>\n                              <\/div>\n\t\t\t\t\t\t\t              \t\t\t\t\t\t\t\t<div class=\"post-grid-container text-center\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<h3>Solicita ahora<\/h3>\n\t\t\t\t\t\t\t\t\t\t<p>Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) es la soluci\u00f3n ideal si busca acceso continuo a fondos con tasas de inter\u00e9s m\u00e1s bajas y mayor flexibilidad que los pr\u00e9stamos tradicionales. Ya sea que est\u00e9 planeando una remodelaci\u00f3n de su hogar, consolidando deudas o cubriendo gastos importantes, Hercules First Federal Credit Union lo guiar\u00e1 durante todo el proceso. Comun\u00edquese hoy mismo con nuestros especialistas en hipotecas para descubrir c\u00f3mo una HELOC puede ayudarle a alcanzar sus metas financieras.<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mt-20\"><a href=\"https:\/\/herculescu.myori.com\/app\/ola\/ola-consumer-loan-type\" target=\"_blank\" class=\"btn\">Solicita ahora <i class=\"lmg-far lmg-fa-paper-plane\"><\/i><\/a><\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"lmg-style-2-inner-column\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 class=\"numbers-grid-title lg-mt-40\">\u00bfTiene preguntas o necesita cerrar una hipoteca?<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400\">Solicite una cita para hablar con un especialista en hipotecas:<\/span><\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"mt-20\"><a target=\"_blank\" href=\"https:\/\/bookings.cloud.microsoft\/book\/HerculesMortgage@herculescu.com\/?ismsaljsauthenabled=true\" class=\"btn btn-sm btn-outline\">\u00a1Hable con un especialista en hipotecas!<\/a><\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t            <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20fa39d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"20fa39d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f55bcb1\" data-id=\"f55bcb1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6737478 elementor-align-left elementor-widget elementor-widget-bdevs-lmg\" data-id=\"6737478\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mortgage2ndrates\" data-widget_type=\"bdevs-lmg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t  <!-- style 2 start -->\n        <div class=\"lmg-center-intro-with-grid lmg-style-2 pb\">\n          <div class=\"container\">\n            <div class=\"section-title pos-rel mb-35 text-center\">\n                              <h1>Tasas<\/h1>\n                                            <span class=\"border-left-1\"><\/span>\n                <span>Consulta nuestras tasas<\/span>\n                <span class=\"border-right-1\"><\/span>\n                            \t\t\t\t\t\t\t\t\t<h2>Tasas de inter\u00e9s para segundas hipotecas<\/h2>\n                          <\/div>\n            <div class=\"lmg-style-2-content pos-rel\">\n\t\t\t\t\t\t\t<div class=\"text-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"lmg-style-2-grid\">\n\t\t\t\t\t\t\t\t<div id=\"2ndMortgageRates\" class=\"lmg-rates-table\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"lmg-rates-table-disclosure\">\n\t\t\t\t\t\t\t\t\t\t<p class=\"footnote text-center\">Rates current as of September 15, 2026<br\/><p>* Tasa de Porcentaje Anual. Las tasas y condiciones se basan en la solvencia crediticia, la relaci\u00f3n pr\u00e9stamo-valor (LTV), la ocupaci\u00f3n, el prop\u00f3sito del pr\u00e9stamo y el monto del pr\u00e9stamo, 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.<\/p><p>L\u00edneas de cr\u00e9dito con garant\u00eda hipotecaria: se pueden aplicar comisiones, que generalmente oscilan entre $50 y $1000, dependiendo del monto del pr\u00e9stamo y la relaci\u00f3n pr\u00e9stamo-valor (LTV). La TAE m\u00e1xima para tasa variable es de 18%.<\/p><p>Hay otras tasas y plazos disponibles; ll\u00e1menos para m\u00e1s detalles.<\/p><\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\t\t\t(function($){\n\t\t\t\t\t\t\t\t\t\t$(function(){\n\t\t\t\t\t\t\t\t\t\t\t$('#2ndMortgageRates').dynamicSheetTable({\n\t\t\t\t\t\t\t\t\t\t\t\tapiKey: 'AIzaSyBiCQ6OYWr7rLrIlHae8jRcpb_mqsnhRDE',\n\t\t\t\t\t\t\t\t\t\t\t\tsheetId: '1LjjOA9OaQNIBuST3W3i3QMhglMcuf5SXwQuMqYoJaj8',\n\t\t\t\t\t\t\t\t\t\t\t\trange: 'E11:F14' \/\/ Update based on your table\n\t\t\t\t\t\t\t\t\t\t\t});\n\t\t\t\t\t\t\t\t\t\t})\n\t\t\t\t\t\t\t\t\t})(jQuery);\n\t\t\t\t\t\t\t\t<\/script>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <!-- style 2 end -->\n    \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Second Leverage Your Equity 2nd Mortgages If you\u2019re looking to tap into the equity you\u2019ve 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\u2014all while keeping your first [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1873,"parent":85,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-89","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Second Leverage Your Equity 2nd Mortgages If you\u2019re looking to tap into the equity you\u2019ve built in your home, a second mortgage may be the perfect solution. 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