Affinity Federal Credit Union

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	Affinity Equity Express		Click here for full rates, terms and disclosures. Apply online or by phone and we'll close on your home equity loan in just seven business days or we'll give you $250...Guaranteed!¹ No matter what your particular needs might be, the Affinity Equity Express is fast and easy, so you'll get the cash you need when you need it.
	Your Home Could Help Am I Better Off Refinancing? Original loan amount Original loan rate New loan rate New loan upfront cost Appraised Value ©Leadfusion, Inc.		Whether you need money to buy a car, build an addition, send the kids to college or just pay bills, the equity in your home could be the key. Affinity gives you several ways to borrow: Get the Lowest Rate When you apply, sign up for our automatic payment withdrawal service and you'll get a bonus rate discount: 1.00% off your Variable or Fixed Rate Home Equity Loan rate, or 0.25% off your Home Equity Line of Credit rate Not only can these discounts save you money, they can save hassle - with automatic withdrawal, there are no bills to pay and no due dates to remember! EasyFLEX A home equity line that combines the best features of a line of credit and a fixed rate loan into one convenient account! EasyFLEX gives you the freedom and flexibility to choose from a variety of loan options at rates you can afford, without the need to reapply. Learn more about EasyFLEX today! 5/5/Flex Variable Rate Home Equity Loan Get the flexibility of an adjustable rate mortgage while unlocking the equity in your home! This unique program offers a fixed rate for the first five years, with an adjustment every five years thereafter. You pick the terms that best suit your budget over the next five years! Click here to learn more about the 5/5/Flex! Fixed-Rate Home Equity Loan You decide exactly how much you want to borrow, and your rate and payments are fixed over the life of the loan, with repayment terms to meet your needs. Variable-Rate Home Equity Line of Credit You get a pre-approved line of credit that you can use anytime, for anything, simply by writing a Home Equity check. You pay back only what you use, when you use it, with great rates.
	Loan Health Check		Wondering how the latest real estate market issues might affect your home loan? Thinking about refinancing? What about that next major purchase? A Loan Health Check from Affinity can help you.
	Loans Available Nationwide		Did you know that our real estate loans are available for properties in all 50 states? We can help you - and your relatives - with vacation homes, additional residences, rental properties...anywhere in the nation!
	Get Started		Are you on board with the Affinity Equity Express? Apply now using our fast and easy online application, or contact our Real Estate Center at 800-325-0808 for more information.
			¹ New Jersey properties only. Up to $250,000. Applications submitted after 1:00 pm will begin the guarantee on the next business day. For seven (7) business day guarantee, loan must close at Affinity Federal Credit Union Headquarters located at 73 Mountain View Blvd., Basking Ridge, NJ. For ten (10) business day guarantee, loan must close at one of our convenient branch locations or the location of your choice. Member must provide the following items within 48 hours of application date: 1 pay stub or if self-employed, 2 years of business and personal tax returns - all schedules; payoff statements (credit card, mortgage or loan payoffs) if a condition of your loan; copy of the declaration page for applicable insurance (flood/ homeowners) listing Affinity as a second lien holder. Insurance declaration page must evidence sufficient insurance coverage to cover both first and second mortgages and must take affect within seven (7) business days of loan application. Even if Affinity is listed as 1st lien holder we still must be listed as a second lien holder. Loan must meet standard underwriting guidelines. All provisions of the guarantee must be met.

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NCUA: Your savings Federally insured to at least $100,000 and backed by the full faith and credit of the United States Government.

Your savings Federally insured to at least $100,000 and backed by
the full faith and credit of the United States Government. National
Credit Union Administration, a US Government Agency.