Endless possibilities

with a Home Equity Line of Credit from Langley

Put the equity in your home to work for you. Take a well-deserved vacation, make home improvements, or fund a college education. With a Home Equity Line Of Credit from Langley Federal Credit Union, the possibilities are endless.

Enjoy the following benefits:

•  No closing costs**

•  Fast turnaround

•  Possible tax advantages***

Helpful HELOC Tips

To help us process your loan quickly, please bring the following items with you at the time of your loan interview:

  • The HELOC Statement of Information sheet included in the package download.

  • Your completed HELOC application included in the package download.

  • A current pay stub or Leave and Earning statement. If self-employed, two (2) previous years' Federal Income Tax Returns and Current Profit and Loss Statement (year-to-date).

  • Your most recent mortgage statement. If you have more than one mortgage, please provide a statement for each mortgage.

  • A copy of an existing Deed, or Deed of Trust.

  • Your current city or county Property Assessment statement.

  • A copy of your Hazard Insurance policy.

  • A copy of your current first mortgage note.

Get Started

Let us help you find the rates and options that best match your needs.

Get Started

For more information, visit your nearest LFCU branch or call the Contact Center.

Download the HELOC Application

Complete the HELOC Application form and take the completed form to a branch to get started.

Download now

Get free information from the Federal Reserve

Your home is one of your biggest investments. So it makes sense to protect it with the best insurance available.

Get more information from
the Financial Answer Center

A wealth of information.

* Introductory rate of 1.99% available on new loans of $15,000 or more with a minimum $10,000 advance and Loan-To-Value of 80% or less through 5/31/12. On 1/1/13, the introductory rate will revert to the rate of either Prime + 0%, (for Premier members), Prime +1% or Prime +2%. Offer applies to new loans only and excludes existing LFCU balances. The interest rate on the line of credit is variable based on the Prime Rate published in the money rate column of the Wall Street Journal – currently     APR — plus a margin and is subject to change. Floor of 5.25% APR, ceiling of 15% APR. Property insurance required. Premier discount does not apply to promotional rate. Some restrictions may apply. Membership eligibility required. Possible tax advantages. Consult your tax advisor for details.

** We'll pick up the closing costs typical to the Hampton Roads area on lines of $15,000 or more with an initial advance of $10,000. A no annual fee VISA Gold Card is offered with the HELOC featuring a limit up to $20,000. Your credit limit is based on your home's value, less any mortgage balance or balances.

*** Consult your tax adviser for details.