At Ashland CU, we understand that your house is more than an investment or collateral for a loan. We want you to make fully informed decisions, and encourage you to take advantage of our lending specialists. Ask all your questions, get all the facts, and you'll choose ACU for your home lending needs.

Ashland CU is a loan originator with PHH Mortgage Company, one of the top 10 originators of retail residential mortgages in the country. We offer 10, 15, 20 and 30 year fixed rate mortgages. Adjustable rate mortgages are available, as well as mortgages for investment property containing 4 units or less.

• Competitive rates
• Up to 95% financing
• No application fee
• Reasonable closing costs, with no hidden fees
• Pre-approvals at no charge
• Electronic payments
• Available in all 50 states

Choice Home Equity Loans are a very flexible and popular choice for a variety of borrowing needs, from debt consolidation, home improvements to educational funding. We leave it up to you and what fits your needs best. You can choose to have a variable or a fixed rate.

Please note that home equity loans are currently only offered in the following states: AR, FL, GA, IL, IN, KY, MI, MN, MO, NC, NJ, OH, PA, TN, VA, WA, WV, WY.

• Interest Rate
1. Subject to change semi-annually
2. Based upon your credit score and LTV* ratio
3. Minimum Rate is 4.25%
• Credit Line - Borrow up to 90% of your home's equity
• Term - Up to 15 years
• Initial Advance - $5,000 minimum
• Additional Advances - $500 minimum

• Interest Rate
1. Fixed for term of loan
2. Based upon your credit score and LTV* ratio
• Loan Amount - Borrow up to 90% of your home's equity
• Term - Up to 10 years
• Initial Advance - $5,000 minimum
• Additional Advances - Not available

• No fees, no closing costs
• No pre-payment penalty
• Tax deductible interest (consult your tax advisor)