Kaiperm Home Equity Loans
(2nd Mortgages)Unlock the Potential of Your Home
A fixed rate 2nd Mortgage loan is ideal for when you know exactly how much you want to borrow. You will receive your funds in a lump sum, with the convenience of a low, fixed rate and fixed payment amount. Borrow up to 75% of your home’s value, less any first mortgage balance.
- Primary residence must be located in California
- Easy and speedy application process
- Fixed rate
- Terms up to 180 months
- Maximum loan amount of $300,000
for higher amounts please contact us at loans@kaipermcu.org
Calculate
Home Equity Line and HELOC Loan Payment
Monthly Payment
$
Semi-monthly: $ | Bi-weekly: $
$
%
Today’s rates
Fixed Rate 2nd Mortgages Loans
Rate Effective Date: April 1, 2025
| Term | Rate APR* |
|---|---|
| 5 years | 7.24% |
| 10 years | 7.49% |
| 15 years | 7.99% |
* APR – Annual Percentage Rate is subject to change and may vary depending on evaluation of credit history, so your rate may differ.
Ready to apply for a loan?
Here’s what you’ll need:
- 1003 Application
- Applicant Checklist
- Appraisal Acknowledgement
- Borrowers Authorization
- Fair Lending Notice
- HUD Approved Housing Counseling Agencies
- Purpose of Loan
- Vesting Worksheet
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