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Loans: |
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We can assure
you that your request for a loan will be reviewed by a local Loan
Officer. We can guarantee you local service because we are committed to
our community ... we don't have an out of state loan office. And because
we have one of the longest tenured staffs in the business, there is an
opportunity that you may work with the same Loan Officer for years. This
serves as a distinct advantage of working with Polam Federal Credit Union
... We know you, you know us.
We view extending credit, whether it is a credit card, an auto loan, a
new home loan or a home equity line of credit as an important
responsibility of a community bank. We are proud that for over 25 years
we have been helping individuals and families attain their financial
goals. Relationship banking is an advantage for you and for us. The more
we work together to meet your financial needs, the better we can serve
you by knowing which products and services best fit your needs at any
given time.
For additional
information or assistance with loans, please call Polam at:
(650) 367-8940 or visit one of our branch offices. |
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Mortgage Loans: |
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Buying your
dream home or refinancing you existing mortgage has never been
easier. Polam is committed to getting you there with our loans
ranging from 90% of the home's appraised value for new purchases, and
up to 80% of your home's appraised value for refinancing requests. |
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Home Loan
Pre-Qualification: |
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Home Loan
Pre-Qualification is the best way to make shopping for a new home as
pleasurable as possible. In today's tight home market, pre-qualifying
is almost a "must". By knowing up-front how much home you are capable
of buying, you can focus your search in the areas that you can afford
and be first to bid on the home of your choice. We treat your
Pre-Qualification Application with a real sense of urgency. We will
notify you by phone and a Loan Officer will send you and/or your
realtor a Pre-Qualification letter. The letter can be used when
making an offer on the home of your dreams. |
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Home Equity Line of
Credit: |
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If you have
a substantial amount of equity in your home, a Home Equity Line of
Credit provides you with the optimum amount of convenience. With a
Home Equity Line of Credit you do not have to reapply or request
approval to access your line ... just write a check from your Home
Equity Checking Account for the amount that you need. You may qualify
for a Home Equity Line of Credit in the amount of $10,000 - $250,000
with your lendable equity at 80% of your home's appraised value minus
your mortgage balance. |
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Home Equity Loans: |
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Polam's Home
Equity Loans have convenient repayment terms and competitive interest rates. The
advantage to the loan is that you receive your loan amount in one
lump sum and you know exactly how much your monthly payment is and
the exact length of the repayment term. In most instances, homeowners
select a Home Equity Loan to meet a specific borrowing need such as
home remodeling, college tuition or to purchase an auto. You may
qualify for an Equity Edge Line of Credit in the amount of $10,000-
$200,000 with your lendable equity at 80% of your home's appraised
value minus your mortgage balance. |
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Personal Purpose Loans: |
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Polam offers
both secured and unsecured personal loans. |
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Automobile Loans: |
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We can make
the purchase of your next auto easier with pre-approval for
qualifying customers. We offer programs for both New and Used
vehicles. |
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VISA Credit Cards: |
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Credit Cards
- we offer a competitive VISA Card program.
Click here for details>>> |
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© Polam Federal
Credit Union
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Legal
Notices •
Deposit Insurance |
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Contact Polam |
 (650)
367-8940 |
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