In addition to traditional Home Equity Loans, we also offer a Home Equity Line of Credit (HELOC)

• Low rates
• You can advance by check, Dort by Phone, Dort Online, or in person at any of our locations.
• No closing costs**
• 15-year draw period
• Minimum loan amount is $5,000
• The payment amount is the balance of the loan amortized over 20 years
• No minimum draw

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NMLS #469349

Additional Disclosures

• Please read and retain a copy of preliminary disclosures.
• All terms are subject to change. If terms change (other than the annual percentage rate) and you decide, as a result, not to enter into an agreement with us, you are entitled to a refund of any fees you paid to us or anyone else in connection with your application.
• Finance charges may be tax deductible (consult your tax advisor).
• We will take a security interest in your home (collateral). You could lose your home if you do not meet the obligations in your agreement with us.

*Introductory Annual Percentage Rate (APR) of 6.99% begins on date of closing and is effective for 6 months. After the 6-month period, the variable rate APR as disclosed in your Home Equity Line of Credit Account Credit Agreement and Disclosure Statement will apply. Current variable APRs are based on the prime rate***. Maximum APR that may apply is 18.00%. 15-year draw period. Minimum loan amount of $5,000.

**Closing costs typically include appraisal, title insurance, recording fee and range from $350 to $1,200. These costs are initially waived by the credit union. Repayment of waived costs will be required if the HELOC is closed and cancelled within 24 months of origination. Property insurance required. Monthly payments based on a 20-year amortization with a minimum monthly payment of $50.00. Programs, rates, terms and conditions are subject to change without notice. Introductory APR offered on new Dort Financial HELOCs. Members who currently have a Home Equity Line of Credit through Dort Financial are not eligible. Offer valid on owner occupied property only where collateral loan to value is 90% or less and excludes all loans already financed at the credit union. Proof of income required, subject to normal underwriting guidelines. Other restrictions may apply. Introductory APR offer good through December 31, 2023. Consult your tax advisor about potential tax benefits.

***Variable rates based on Prime plus or minus a margin (margin identified at time of application, is defined as the number of percentage points the lender subtracts or adds to the index rate to determine the annual percentage rate to be charged). Current variable APRs as low as 8.00%.