Looking to consolidate your debt or make a major purchase? This loan is the choice for members who want a fixed rate and a fixed payment.

• A fixed rate second mortgage - closed-end loan (Primary Residence or Second Home)
• "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 $50.00 to $450.00.)
• The interest you pay may be tax deductible.
• Available for property located in NC, SC, and VA only

We have six rates to choose from depending on the desired term and the combined loan-to-value.

All loans granted using either a condominium as security, or a loan amount over $250,000, require an appraisal (i.e., we will be unable to use tax value computation).

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Or call our 24-Hour Lending Center at 1-877-APPLY24.