Get an Equity Access Line of Credit and you can tap your home equity instantly with a check or debit card. It’s the simple way to pay off your car, credit cards, and make home improvements.

Open today with no points, no fees, and no closing costs.^##

• Draw on your line of credit whenever you want, for up to 5 years

• Repayment terms up to 15-years

• You’ll only pay interest on the amount of the line of credit you actually use

• Gives you the flexibility to access your line of credit whenever you need it.

• Interest may be tax deductible (consult your tax advisor)

• Maximum loan amount can be up to 85% loan-to-value.

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• Up to a 15-year term

• Fixed interest rate for the length of the loan

• Provides you with a lump sum cash distribution

• Your monthly payments will remain the same for the entire life of the loan

• Gives you the flexibility to select a payment that fits your budget

• Interest may be tax deductible (consult your tax advisor)

• Home must be an owner-occupied, single-family residence

• Home must be located in Nevada, or within five miles of the Nevada border

• Maximum loan amount can be up to 85% of appraised value minus any mortgage balances, O.A.C. (On Approved Credit)

• Minimum loan amount is $10,000

• Custom built homes may have different guidelines. Please contact a representative at Clearstar Financial Credit Union for further details.
  
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As you can see, the Shirt-Tail Loan is one good looking opportunity. To qualify, you must be a Clearstar Financial Credit Union member wanting to dress up your single family/owner-occupied home. You'll get a low fixed-rate, fully amortized loan with terms up to 120 months. Minimum payment is $150 per month. There is a prepayment penalty of $300 if repaid within the first 36 months.

We encourage you to apply today!

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⁺Borrower must carry property insurance, and may be required to purchase flood insurance. Reconveyance fees, pre-payment penalty, non-standard appraisal fees, etc. may apply. Minimum Payment of $150. A $300 early closure fee will be imposed if you close your loan within 36 months after it is opened.

*APR = Annual Percentage Rate. The variable interest rate is tied to the current Wall Street Journal Prime Rate at time of draw. Interest rates are subject to change with each draw.

**Subject to credit approval. 120 month repayment term of 11.25% annual percentage rate (APR). 120 monthly payments equal to $13.93 per $1,000 borrowed.

#Variable interest rate tied to the current Wall Street Journal Prime Rate plus or minus a margin; may adjust monthly. Minimum advance $250 to avoid fee. Minimum payment of $150. Up to five year draw with fifteen year repayment. Subject to credit approval. Rates based on optimal credit. Your rate may vary based on credit. Owner-occupied property only; borrower must carry property insurance and may be required to purchase flood insurance. Home must be located in Nevada on land owned by applicant. Reconveyance, prepayment penalty, etc., may apply. No other discounts or relationship rewards apply. Rates, terms and conditions subject to change without notice. Equal housing lender. This credit union is federally insured by the National Credit Union Administration. ##Desktop appraisal included at no charge. Non-standard appraisal fees may apply if you dispute desktop appraisal.

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