This loan is perfect for those homeowners who haven't owned their home for very long. Members who benefit from this program usually have not previously qualified because of the number of years they've owned their home or because they did not have a large enough down payment.

• A fixed rate second mortgage - Closed end (Primary Residence or Second Home)
• There are no appraisals and "No Closing Costs" if the initial advance is $10,000 or more and the balance is maintained for at least 12 months. (Otherwise, closing costs could range from $50 to $450). Maximum loan amount is $50,000.
• The interest you pay may be tax deductible.
• Available for property located in NC, SC, and VA only

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