Finance the purchase and installation of a photovoltaic (PV) system for your home.
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A home equity line of credit loan is a line of credit that is secured by real estate. The amount of the credit line is dependent upon the amount of equity in the subject property and the lender's guidelines. Each lender has its own specific guidelines and limitations. Lines of credit are typically designed for borrowers who intend to pay back the borrowed funds within a short period of time. Equity lines of credit are processed and underwritten similar to traditional mortgages; however, lender guidelines vary widely.
Home equity lines differ from traditional mortgages that provide funds up front, then required repayments of principal and interest each month. With a home equity line, a borrower may draw against any available credit on the line while continuing to make monthly payments during the "draw period." At the end of that time, the borrower has a set number of years to repay the remaining balance in full without further draws.
Interest on home equity lines begins to accrue at the time of an advance on the line and payments are based on payment factors.
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For current rates, or more information on applying for a home loan, contact a Mortgage Loan Officer or call us at 808-356-4000.
With your Mortgage Loan Officer.
And provide all applicable documentation.
Your Mortgage Loan Officer checks your credit and provides you with loan disclosures.
A deposit is collected and your Mortgage Loan Officer orders a home appraisal.
Loan documents are submitted for underwriting. Your Mortgage Loan Officer will notify you if additional documents are required and if your loan is approved.
You have one last opportunity to lock in your interest rate.
You sign loan closing documents, make your down payment, and pay any remaining fees, if applicable.
Your mortgage is recorded with the County and funds are disbursed to seller. You’ve completed the home loan process!
While your application is being processed it is critical to maintain your current credit standing. Follow these simple Do’s and Don’ts: