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Loans with
Polam:
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.
Mortgage Loans:
Buying your dream home or refinancing you
existing mortgage has never been easier. Polam is committed to
getting you there with our loans at competitive rates, low closing
costs and fast turn-around times.
Home Loan Pre-Qualification:
Home Loan Pre-Qualification is the best way to
make shopping for a new home as pleasurable as possible. In today's
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. 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.
Home Equity Line of Credit:
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 75% of your home's appraised value minus your mortgage balance.
Home Equity Loans:
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 75% of your home's appraised
value minus your mortgage balance.
Personal Purpose Loans:
Polam offers both secured and unsecured
personal loans.
Business Loans:
Need capital to grow your business?
Call us to see how we can help. We offer both short and long
term financing and lines of credit.
Automobile Loans:
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.
VISA Credit Cards:
Credit Cards - we offer a competitive
VISA Card program. Click here
for details>>> |
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