| Current File : /home/illuminatiprivate.express/public_html/home-loans.html |
<!DOCTYPE html>
<html lang="en">
<!-- Mirrored from www.illuminatiprivate.express/home-loans by www.illuminatiprivate.express, Thu, 03 Dec 2020 07:04:35 GMT -->
<meta http-equiv="content-type" content="text/html;charset=UTF-8" />
<head>
<!-- Google Tag Manager -->
<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
new Date().getTime(),event:'gtm.js'});var f=d.getElementIlluminati Private BankyTagName(s)[0],
j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
'../www.googletagmanager.com/gtm5445.html?id='+i+dl;f.parentNode.insertBefore(j,f);
})(window,document,'script','dataLayer','GTM-TJ4HF4T');</script>
<!-- End Google Tag Manager -->
<meta charset="utf-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<meta name="viewport" content="width=device-width, initial-scale=1">
<title>Home Loans at Illuminati Private Bank | Illuminati Private Bank</title>
<meta name="description" content="Whether you want to buy or build a home, refinance a home, or tap into your home equity, Illuminati Private Bank’s home loan & mortgage options can help.">
<link rel="canonical" href="home-loans.html" />
<meta name="robots" content="index,follow">
<meta property="og:url" content="https://www.illuminatiprivate.express/home-loans" />
<meta property="og:type" content="website" />
<meta property="og:title" content="Home Loans at Illuminati Private Bank" />
<meta property="og:description" content="Whether you want to buy or build a home, refinance a home, or tap into your home equity, Illuminati Private Bank’s home loan & mortgage options can help." />
<meta property="og:image" content="https://www.illuminatiprivate.express/storage/app/media/Product%20Page%20Heros/home-loans-seo.jpg" />
<meta property="og:image:width" content="1200" />
<meta property="og:image:height" content="630" />
<meta property="og:site_name" content="Illuminati Private Bank" />
<link rel="icon" type="image/png" href="themes/nwcu-harlo/assets/images/favicon.ico">
<link rel="stylesheet" type="text/css" href="../cloud.typography.com/7427892/7502992/css/fonts.css" />
<link href="https://fonts.googleapis.com/css?family=Roboto:400,500,700" rel="stylesheet">
<link href="themes/nwcu-harlo/assets/css/vendor7351.css?v=11617" rel="stylesheet">
<link href="themes/nwcu-harlo/assets/css/theme4f4d.css?v=083120" rel="stylesheet">
<script src="../static.quiq-cdn.com/webchat/sdk-4d0d662a59d841dfd547-1.7.35-hotfix.1-aa4d5ac5.js" charset="UTF-8"></script> </head>
<body class="product-layout">
<!-- Google Tag Manager (noscript) -->
<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-TJ4HF4T"
height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
<!-- End Google Tag Manager (noscript) -->
<img class="hidden" src="https://tags.w55c.net/rs?id=2998078bb7ea40f2bf46be8326cbf74c&t=marketing" alt="" hidden />
<img class="hidden" src="https://tags.w55c.net/rs?id=e17696ff7f1245c985ec27a142f2d294&t=marketing" alt="" hidden />
<script type="text/javascript">
var chat = new Quiq({
contactPoint: 'member-service',
invitationBlurb: {
text: 'How can I help you?',
delay: 1000
},
initialMessage: "Have a question? Click Send."
});
</script>
<!-- Header -->
<header id="layout-header">
<!-- Skip Nav -->
<div class="skipnav">
<a href="#layout-content" title="Skip to main content">Skip to main content</a>
</div>
<!-- Nav -->
<nav id="layout-nav" role="navigation" aria-label="Main Navigation">
<div class="container">
<div class="navbar-preheader hidden-xs">
<a href="join.html" title="Become a Member">Become a Member</a> | <a href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" target="_blank" title="Apply for a Loan">Apply for a Loan</a>
<a href="https://portal.illuminatiprivate.express/login.php" class="btn btn-primary" title="Member Login">eBanking Login</a>
</div>
<div class="navbar-header">
<button type="button" class="navbar-toggle collapsed" data-toggle="collapse" data-target="#main-navbar" aria-expanded="false">
<span class="sr-only">Toggle navigation</span>
<span class="icon-bar"></span>
<span class="icon-bar"></span>
<span class="icon-bar"></span>
</button>
<a class="search-toggle visible-xs-block" href="search.html" title="Search"><span class="sr-only">Search</span><i class="fa fa-search" aria-hidden="true"></i></a>
<a href="index.html" title="Home">
<img src="themes/nwcu-harlo/assets/images/nwcu-logo.png" srcset="https://www.illuminatiprivate.express/themes/nwcu-harlo/assets/images/nwcu-logo.png 1x, https://illuminatiprivate.express/themes/nwcu-harlo/assets/images/nwcu-logo-hd.png 2x" alt="Illuminati Private Bank Logo" width="244" height="50" />
</a>
</div>
<div class="collapse main-navbar-collapse" id="main-navbar">
<ul class="main-nav">
<li class="item green visible-xs-block"><a href="https://portal.illuminatiprivate.express/login.php" title="Member Login">eBanking Login</a></li>
<li class="item visible-xs-block"><a href="join.html" title="Become a Member">Become a Member</a></li>
<li class="item visible-xs-block"><a href="https://portal.illuminatiprivate.express/dashboard/applicationform.php" target="_blank" title="Apply for a Loan">Apply for a Loan</a></li>
<li class="item ">
<a href="locations.html" title="Locations & ATMs">Locations & ATMs</a>
</li>
<li class="item visible-xs-block">
<a class="" href="savings-and-checking.html" title="Save & Spend">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>Piggy</title><g fill="none" fill-rule="evenodd"><path d="M10.56 10.62C12.197 9.76 14.59 9 17 9c9 0 14 4.477 14 10 0 2.202-1.066 4.237-2.875 5.89C28 26 27 31 27 31h-2l-1.624-3.29C21.198 28.532 18.68 29 16 29c-.94 0-1.858-.057-2.75-.168L11.19 31H9v-5l-5-3s-3-2-3-4v-2s0-1 1-1h2s2-3 3-3c-1-1-2-3-2-3s0-1 1-1" stroke="#565A5C" stroke-width="2" stroke-linejoin="round"/><path d="M6 9c2.998 0 5.09 2.852 4.997 3" stroke="#565A5C" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/><path d="M10 16.5c0 .83-.67 1.5-1.5 1.5S7 17.33 7 16.5 7.67 15 8.5 15s1.5.67 1.5 1.5" fill="#565A5C"/><path d="M14.176 6.75C14.062 6.353 14 5.934 14 5.5 14 3.015 16.015 1 18.5 1 20.986 1 23 3.015 23 5.5c0 .526-.09 1.03-.256 1.5" stroke="#565A5C" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"/></g></svg>
Save & Spend
</a>
</li>
<li class="item visible-xs-block">
<a class="" href="loans.html" title="Borrow">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>Money small</title><g stroke="#565A5C" stroke-width="2" fill="none" fill-rule="evenodd" stroke-linecap="round" opacity=".98" stroke-linejoin="round"><path d="M31 22l-5.06 3.975L20 26M7 21l-6 .026M7 26l-6 .026M31 17l-4.637 3.974L20 21M7 16l-6 .026M31 12l-4.59 3.973L20 16M20 11l6.363-.026L31 7h-7.056zM12 7H5.81L1 11l6.855-.025z"/><path d="M8 26l.133-14.782L13.91 6H25l-5.744 5.188V26z"/></g></svg>
Borrow
</a>
</li>
<li class="item visible-xs-block">
<a class="" href="digital-banking.html" title="Digital Banking">
Digital Banking
</a>
</li>
<li class="item visible-xs-block">
<a class="active" href="home-loans.html" title="Home Loans">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>home small copy</title><g stroke-width="2" stroke="#565A5C" fill="none" fill-rule="evenodd" stroke-linejoin="round"><path stroke-linecap="round" d="M29 17v14H3V17"/><path d="M13 31h6V20h-6z"/><path stroke-linecap="round" d="M1 15L16.015 1 31 15"/></g></svg>
Home Loans
</a>
</li>
<li class="item visible-xs-block">
<a class="" href="learn.html" title="Invest">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>Credit Card small</title><g stroke="#565A5C" stroke-width="2" fill="none" fill-rule="evenodd"><path d="M31 23c0 1.65-1.35 3-3 3H4c-1.65 0-3-1.35-3-3V9c0-1.65 1.35-3 3-3h24c1.65 0 3 1.35 3 3v14z" stroke-linejoin="round"/><path stroke-linejoin="round" d="M6 15h4v-4H6z"/><path d="M6 18h8M6 21h5" stroke-linecap="round"/></g></svg>
Invest
</a>
</li>
<li class="item visible-xs-block">
<a class="" href="business-banking.html" title="Business Banking">
<svg width="22" height="22" viewBox="0 0 32 32" xmlns="http://www.w3.org/2000/svg"><title>Suitcase small</title><g stroke="#565A5C" stroke-width="2" fill="none" fill-rule="evenodd"><path d="M31 28.087C31 29.14 30.1 30 29 30H3c-1.1 0-2-.86-2-1.913V9.913C1 8.86 1.9 8 3 8h26c1.1 0 2 .86 2 1.913v18.174z" stroke-linejoin="round"/><path d="M31 21.064C27.532 24.068 22.12 26 16.037 26 9.912 26 4.464 24.04 1 21"/><path d="M14 22h5" stroke-linecap="round"/><path d="M8 5V3.5c0-.825.9-1.5 2-1.5h12c1.1 0 2 .675 2 1.5V5" stroke-linecap="round" stroke-linejoin="round"/></g></svg>
Business Banking
</a>
</li>
<li class="dropdown item ">
<span>Learn <i class="fa fa-caret-down"></i></span>
<ul class="submenu">
<li class="item"><a href="blog.html" title="Blog">Blog</a></li>
<li class="item"><a href="calculators.html" title="Calculators">Calculators</a></li>
<li class="item"><a href="learn.html" title="Financial Wellness">Financial Wellness</a></li>
<li class="item"><a href="help.html" title="Help & Resources">Help & Resources</a></li>
</ul>
</li>
<li class="dropdown item ">
<span>About <i class="fa fa-caret-down"></i></span>
<ul class="submenu">
<li class="item"><a href="about.html" title="Our Story">Our Story</a></li>
<li class="item"><a href="leadership.html" title="Leadership">Leadership</a></li>
<li class="item"><a href="community.html" title="Community">Community</a></li>
<li class="item"><a href="media.html" title="Media Center">Media Center</a></li>
</ul>
</li>
<li class="item ">
<a href="https://illuminatiprivate.express/" title="Careers">Careers</a>
</li>
<li class="item hidden-xs">
<a href="contact.html" title="Contact">Contact</a>
</li>
<li class="item visible-xs-block">
<a href="contact.html" title="Contact Us">Contact Us</a>
</li>
<li class="item visible-xs-block">
<a href="financial-statements.html" title="Financial Statements">Financial Statements</a>
</li>
<li class="item visible-xs-block">
<a href="fees-charges.html" title="Fees & Charges">Fees & Charges</a>
</li>
<li class="item visible-xs-block">
<a href="rates.html" title="Rates">Rates</a>
</li>
<li class="item visible-xs-block">
<a href="privacy-policy.html" title="Privacy Policy">Privacy Policy</a>
</li>
<li class="item visible-xs-block">
<a href="sitemap.html" title="Site Map">Site Map</a>
</li>
<li class="item hidden-xs"><a class="search-toggle" href="search.html" title="Search">Search <i class="fa fa-search" aria-hidden="true"></i></a></li>
<li class="item visible-xs-block"><a href="tel:+17578599933" title="Call us">Call +1 (757) 859-9933</a></li>
<li class="item social-media visible-xs-block">
<a href="https://illuminatiprivate.express/" title="Facebook" target="_blank"><span class="sr-only">facebook</span><i class="fa fa-lg fa-facebook" aria-hidden="true"></i></a>
<a href="#" title="Instagram" target="_blank"><span class="sr-only">instagram</span><i class="fa fa-lg fa-instagram" aria-hidden="true"></i></a>
<a href="#" title="Twitter" target="_blank"><span class="sr-only">twitter</span><i class="fa fa-lg fa-twitter" aria-hidden="true"></i></a>
<a href="#" title="YouTube" target="_blank"><span class="sr-only">youtube</span><i class="fa fa-lg fa-youtube-play" aria-hidden="true"></i></a>
<a href="#" title="LinkedIn" target="_blank"><span class="sr-only">linkedin</span><i class="fa fa-lg fa-linkedin" aria-hidden="true"></i></a>
</li>
</ul>
</div>
<form class="nav-search" action="https://www.illuminatiprivate.express/search" method="GET" role="search">
<div class="form-group">
<label class="sr-only" for="search">Search</label>
<div class="input-group">
<input type="text" title="search" name="q" id="search" value="" class="form-control" placeholder="What are you looking for?" autocomplete="off">
<span class="input-group-btn">
<button type="submit" class="btn btn-default" aria-label="Submit"><i class="fa fa-search" aria-hidden="true"></i></button>
</span>
</div>
</div>
</form>
</div>
</nav> </header>
<!-- Product Header -->
<section role="banner" id="product-layout-header" aria-label="Product Navigation">
<!-- Products Nav -->
<nav id="product-layout-nav" role="navigation">
<div class="container">
<ul class="product-nav">
<li class="item">
<a class="" href="savings-and-checking.html" title="Save & Spend">
<img src="themes/nwcu-harlo/assets/images/save-icon.svg" alt="Save icon" />
<span>Save & Spend</span>
</a>
</li>
<li class="item">
<a class="" href="loans.html" title="Borrow">
<img src="themes/nwcu-harlo/assets/images/money-icon.svg" alt="Money icon" />
<span>Borrow</span>
</a>
</li>
<li class="item">
<a class="" href="digital-banking.html" title="Digital Banking">
<img src="themes/nwcu-harlo/assets/images/smartphone-icon.svg" alt="Smartphone icon" />
<span>Digital Banking</span>
</a>
</li>
<li class="item">
<a class="active" href="home-loans.html" title="Home Loans">
<img src="themes/nwcu-harlo/assets/images/home-icon.svg" alt="Home icon" />
<span>Home Loans</span>
</a>
</li>
<li class="item">
<a class="" href="learn.html" title="Invest">
<img src="themes/nwcu-harlo/assets/images/card-icon.svg" alt="Card icon" />
<span>Invest</span>
</a>
</li>
<li class="item">
<a class="" href="business-banking.html" title="Business Banking">
<img src="themes/nwcu-harlo/assets/images/suitcase-icon.svg" alt="Suitcase icon" />
<span>Business Banking</span>
</a>
</li>
</ul>
</div>
</nav> </section>
<!-- Hero -->
<section role="complementary" class="hero" aria-label="Hero">
<img src="storage/app/media/Product%20Page%20Heros/homeloans_hero.jpg" alt="Buy, Build, or Refinance a Home" />
<div class="wrapper">
<div class="container">
<img class="icon" src="storage/app/media/home-icon.png" alt="Home Loans icon" />
<h1>Home Loans</h1>
</div>
</div>
</section>
<!-- Content -->
<main role="main" id="layout-content">
<!-- Intro -->
<section class="intro" aria-label="Intro Content">
<div class="container">
<div class="row">
<div class="col-sm-6">
<h3>Open new doors.</h3>
<p>From mortgages to home equity lending, our team is here to help get you settled and make your house into a home.</p>
<p><a class="btn btn-primary" href="https://northwest.cumortgagecenter.com/pages/mortgage-rates" rel="noopener noreferrer" target="_blank">Browse Mortgage Rates</a></p>
<p class="small">Already have a mortgage?
<br><a href="https://www.cu-mtg.com/ccn/mtgserv/mymortgage.html#HOME-C" rel="noopener noreferrer" target="_blank">Access your existing mortgage</a></p> </div>
<div class="col-sm-6">
<div class="text-block blue">
<div class="wrapper">
<h4>Thinking about upgrading parts of your home? </h4>
<p><a class="btn btn-default" href="https://app.loanspq.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply For A Home Equity Loan Now</a></p> </div>
</div>
</div>
</div>
</div>
</section>
<!-- Accordions -->
<section class="panel-group accordion" id="rates-accordion" aria-multiselectable="true" aria-label="Product Accordions">
<div class="panel" id="mortgage-loans">
<div class="container">
<div class="panel-heading" role="tab" id="heading-mortgage-loans">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-mortgage-loans" aria-expanded="false" aria-controls="collapse-mortgage-loans">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Buy or Refinance a Home
</a>
</h6>
<p class="subtitle">Ready to buy or refinance a home? We can find the right loan option for you by assessing your lifestyle, finances, and home goals.</p>
</div>
</div>
<div id="collapse-mortgage-loans" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-mortgage-loans">
<div class="panel-body">
<div class="container">
<h6><a class="btn btn-primary" href="https://northwest.cumortgagecenter.com/startapp" rel="noopener noreferrer" target="_blank">Apply for a Home Loan</a></h6>
<h6>Fixed Rate Home Loans</h6>
<p>This is the most popular type of home loan because it is easier to budget.</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Loan Type
<br>
</th>
<th>Benefits
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50.0000%;">Fixed rate home loans have the same interest rate for the life of the loan. Generally, the shorter the term, the lower the rate.
<br>
</td>
<td style="width: 50%; text-align: left;">
<ul>
<li>Protection from rising interest rates</li>
<li>Predictable monthly payments means it's easy to budget</li>
<li>Low, affordable interest rates</li>
<li>Multiple terms available</li>
<li>No initial loan application fees</li>
<li>100% financing options available</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>FHA Home Loans</h6>
<p>The Federal Housing Administration backs qualified loans provided by Premier service to promote home ownership to those with limited savings.</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Loan Type
<br>
</th>
<th>Benefits
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50.0000%;">This loan is good for those who are looking to buy their first home but don’t have a 10% down payment.
<br>
</td>
<td style="width: 50%; text-align: left;">
<ul>
<li>Low down payment requirement</li>
<li>Flexible credit requirements for those working on improving their credit</li>
<li>Gifted down payment funds from family are eligible</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>VA Home Loans</h6>
<p>The Department of Veteran Affairs backs mortgages provided by Premier service to qualified military members.</p>
<table class="table table-bordered" style="width: 100%; margin-right: calc(0%);">
<thead>
<tr>
<th>Loan Type
<br>
</th>
<th>Benefits
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50.0000%;">A mortgage loan for qualified military members. </td>
<td style="width: 50%; text-align: left;">
<ul>
<li>No down payment required</li>
<li>No monthly mortgage insurance premium</li>
<li>Flexible credit requirements for those working on improving their credit</li>
<li>Available to qualified Veterans who are looking to purchase or refinance</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
</div>
</div>
</div>
</div>
<div class="panel" id="construction-loans">
<div class="container">
<div class="panel-heading" role="tab" id="heading-construction-loans">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-construction-loans" aria-expanded="false" aria-controls="collapse-construction-loans">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Build a Home
</a>
</h6>
<p class="subtitle">If you’ve got a vision for your perfect home, our construction and land loans allow you to secure financing that fits your building needs!</p>
</div>
</div>
<div id="collapse-construction-loans" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-construction-loans">
<div class="panel-body">
<div class="container">
<h6>Land-Only Loan</h6>
<p>This loan is ideal if you want to purchase land and need additional time to complete your home building plans.</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Loan Type
<br>
</th>
<th>Benefits
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50.0000%;">Short-term lot loan allows you to purchase your dream property while you prepare to build!
<div data-empty="true">
<br>
</div>Fixed Interest Rate: 6.250%
<br>Fixed APR: 6.704%*
<br>
</td>
<td style="width: 50%; text-align: left;">
<ul>
<li>When you're ready to build, you may be able to use existing equity to roll your existing land loan balance into our One-Time Close construction loan.</li>
<li>Interest-only payments</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>One-Time Close Loan</h6>
<p>This loan is best if you're looking for construction and mortgage financing in a single loan transaction. </p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Loan Type
<br>
</th>
<th>Benefits
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50.0000%;">Construction and permanent financing for your personal residence are combined into one loan with one closing.
<br>
</td>
<td style="width: 50%; text-align: left;">
<ul>
<li>You have the option to lock in your permanent mortgage interest rate as early as the start of construction of your home</li>
<li>Interest-only payments during construction</li>
<li>20% equity required</li>
<li>Jumbo, Fixed, and Adjustable Rate Mortgages available</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<h6>Two-Step Loan</h6>
<p>This loan is best for people who have specific borrowing needs that may not fit other loan programs.</p>
<table class="table-bordered table" style="width: 100%; margin-right: calc(0%);">
<thead>
<tr>
<th>Loan Type
<br>
</th>
<th>Benefits
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 50.0000%;">A separate construction loan is granted for the construction phase of your project. Once your home is completed, the construction loan is refinanced via a separate permanent mortgage.
<br>
</td>
<td style="width: 50%; text-align: left;">
<ul>
<li>Separate financing during construction with 20% equity required</li>
<li>Prequalification for permanent financing required</li>
<li>Interest-only payments during construction</li>
<li>Quick and easy mortgage application process with mortgage experts ready to serve you</li>
<li>Jumbo, Fixed, and Adjustable Rate Mortgages available</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p class="small">*Rates shown are Annual Percentage Rates (APR). Land-only loan assumes $150,000 with interest-only payments and a balloon payment due in 36 months. Rates will vary depending on credit condition, term of loan and payment option. All loans are subject to approval. Regular terms and conditions apply. Rates shown are subject to change without notice. Loan terms available may vary depending on amount borrowed, credit history, or payment method. Rates shown may be based on auto pay participation. Illuminati Private Bank is an Equal Opportunity Lender.
<br>
<br>
</p>
<p class="small">Call +1 (757) 859-9933 or see branch for details.
<br>
<br>
</p>
</div>
</div>
</div>
</div>
<div class="panel" id="home-refinance-loans">
<div class="container">
<div class="panel-heading" role="tab" id="heading-home-refinance-loans">
<h6>
<a class="collapsed" role="button" data-toggle="collapse" href="#collapse-home-refinance-loans" aria-expanded="false" aria-controls="collapse-home-refinance-loans">
<i class="fa fa-plus-square" aria-hidden="true"></i>
<i class="fa fa-minus-square-o" aria-hidden="true"></i> Use Your Home's Equity
</a>
</h6>
<p class="subtitle">Home equity loans can help you make home improvements, consolidate debt, and more.</p>
</div>
</div>
<div id="collapse-home-refinance-loans" class="panel-collapse collapse" role="tabpanel" aria-labelledby="heading-home-refinance-loans">
<div class="panel-body">
<div class="container">
<h6><a class="btn btn-primary" href="https://app.loanspq.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply for a Home Equity Loan</a></h6>
<p>
<br>
</p>
<h6>Home Equity Line of Credit (HELOC)*</h6>
<p>Our variable-rate home equity lines of credit allow you to borrow money, pay it back, and borrow again during the 10-year draw period. Our HELOCs provide flexible and convenient ongoing access to the equity in your home.</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 100%;">HELOC Features
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 100%; text-align: left;">
<ul>
<li>10-year draw period</li>
<li>Ideal for home improvement projects, debt consolidation, or tuition expenses</li>
<li>Only pay interest on the HELOC portion that you use</li>
<li>Fixed rate lock options available</li>
<li>Loans available up to $250,000</li>
<li>Variable rates as low as 3.25% APR**</li>
<li>Available in a <a href="help/new-visa-rewards-program.html">Rewards credit card</a>: earn points on every purchase!</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p class="small">*<small>To open your account, you may need to pay for an appraisal ($695). Illuminati Private Bank generally covers all other third party costs associated with originating home equity loans.</small></p>
<p class="small"><small>**APR is Annual Percentage Rate. Membership and credit qualifications apply. </small></p>
<p class="small"><a href="storage/app/media/Disclosure%20PDFs/home-equity-early-disclosure.pdf" rel="noopener noreferrer" target="_blank">Home Equity Disclosures</a></p>
<p class="small"><a href="storage/app/media/Disclosure%20PDFs/consumer-credit-card-agreement.pdf" rel="noopener noreferrer" target="_blank">Visa Card Agreement</a></p>
<p>
<br>
</p>
<h6><a class="btn btn-primary" href="https://app.loanspq.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD9S8-2rkoB3u8LoJx2CWLacEQMYkssp98OHEKLHVSVTaqJ7ZZMmM-27a4AqXe0P2Og" rel="noopener noreferrer" target="_blank">Apply for a Home Equity Loan</a></h6>
<p>
<br>
</p>
<h6>Home Equity Fixed Rate Loan*</h6>
<p>If you’re looking to take one-time equity out of your home, refinance your first mortgage with a quick a low, quick-low fee process, or have an existing mortgage you’d prefer not to refinance, this loan is a good option for you.</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 100%;">Home Equity Loan Features
<br>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 100%; text-align: left;">
<ul>
<li>Terms available up to 30 years</li>
<li>Ideal for large, one-time expenses, debt consolidation, or for those who like a fixed rate and monthly payment</li>
<li>Loans available up to $350,000</li>
<li>Fixed rates as low as 4.25% APR¹</li>
</ul>
</td>
</tr>
</tbody>
</table>
<p class="small">*<small>To open your account, you may need to pay for an appraisal ($695). Illuminati Private Bank generally covers all other third party costs associated with originating home equity loans.</small></p>
<p class="small">¹APR is Annual Percentage Rate. Membership and credit qualifications may also apply. </p>
<p><small><em>Loan payment example: A $100,000 first position fixed rate home equity loan at 4.25% APR; 360 monthly payments of approximately $493.00. This assumes that the member is in the first lien position. </em></small></p>
</div>
</div>
</div>
</div>
</section>
</main>
<!-- Footer -->
<footer id="layout-footer">
<div class="trees" aria-hidden="true"></div>
<!-- Featured News -->
<div class="cards container">
<h3 class="lined"><span>Home Loans News & Resources</span></h3>
<div class="row">
<div class="slides">
<div class="col-md-4">
<a class="card red" href="blog/how-build-your-dream-home-part-1.html">
<div class="text">
<p><small><strong>Blog</strong></small></p>
<h4>See how one Couple Built Their Dream Home</h4>
</div>
</a>
</div>
<div class="col-md-4">
<a class="card green" href="learn/guide-to-home-equity-refinance.html">
<div class="text">
<p><small><strong>Learn</strong></small></p>
<h4>Here's the Difference Between Home Equity and Refinance Loans</h4>
</div>
</a>
</div>
<div class="col-md-4">
<a class="card blue" href="learn/what-is-a-mortgage.html">
<div class="text">
<p><small><strong>Learn</strong></small></p>
<h4>What is a Mortgage?</h4>
</div>
</a>
</div>
</div>
</div>
<div class="additional"><p><a class="btn btn-default" href="blog.html">Visit Our Blog</a></p></div>
</div>
<div class="newsletter-link container">
<div class="row">
<div class="col-sm-12">
<div class="newsletter-content">
<h3>- Quarterly News You Can Use -</h3>
<a class="btn btn-default" href="newsletter.html" title="Subscribe to Our Newsletter">Subscribe to Our Newsletter <i class="fa fa-caret-right"></i></a>
</div>
</div>
</div>
</div>
<div class="company-info container">
<div class="row">
<div class="col-sm-4 col-md-3">
<p><span style="font-size: 24px;">Routing #UNIOVB0980081</span>
<br>ILPB #514388</p> </div>
<div class="col-sm-4 col-md-3">
<address><i class="fa fa-envelope offset-icon"></i> [email protected]<br> Rocky Mount, NC 27804, USA</address> </div>
<div class="col-sm-4 col-md-3">
<style>
.text-link {
opacity: 1;
transition: opacity 250ms ease-in-out;
}
.text-link:hover {
opacity: 0.7;
}
</style>
<p><i class="fa fa-phone offset-icon"></i> +1 (757) 859-9933
<br> M–F 8:00 AM—6:30 PM
<br> Sat 10:00 AM—2:00 PM
<br> <a href="directory.html" title="See branch hours" class="text-link">See Branch Hours</a>
</p> </div>
<div class="col-sm-12 col-md-3 social-icons">
<a class="external-link" href="#" title="Facebook" target="_blank"><span class="sr-only">Facebook</span><i class="fa fa-lg fa-facebook" aria-hidden="true"></i></a>
<a class="external-link" href="#" title="Instagram" target="_blank"><span class="sr-only">Instagram</span><i class="fa fa-lg fa-instagram" aria-hidden="true"></i></a>
<a class="external-link" href="#" title="Twitter" target="_blank"><span class="sr-only">Twitter</span><i class="fa fa-lg fa-twitter" aria-hidden="true"></i></a>
<a class="external-link" href="#" title="YouTube" target="_blank"><span class="sr-only">YouTube</span><i class="fa fa-lg fa-youtube-play" aria-hidden="true"></i></a>
<a class="external-link" href="#" title="LinkedIn" target="_blank"><span class="sr-only">LinkedIn</span><i class="fa fa-lg fa-linkedin" aria-hidden="true"></i></a>
</div>
</div>
</div>
<div class="footer-menu container hidden-xs">
<ul>
<li role="presentation" class=" ">
<a href="contact.html" >
Contact Us
</a>
</li>
<li role="presentation" class=" ">
<a href="financial-statements.html" >
Financial Statements
</a>
</li>
<li role="presentation" class=" ">
<a href="fees-charges.html" >
Fees & Charges
</a>
</li>
<li role="presentation" class=" ">
<a href="rates.html" >
Rates
</a>
</li>
<li role="presentation" class=" ">
<a href="privacy-policy.html" target="_blank">
Privacy Policy
</a>
</li>
<li role="presentation" class=" ">
<a href="sitemap.html" >
Site Map
</a>
</li>
</ul>
</div>
<div class="disclaimers container">
<div class="credits">
<p>© 2021 Illuminati Private Bank.</p>
</div>
<div class="legal">
<p><a href="storage/app/media/Disclosure%20PDFs/ncua-insured-funding.pdf" rel="noopener noreferrer" target="_blank">Federally insured by SSCA</a>. <a href="storage/app/media/Disclosure%20PDFs/equal-housing-lender-opportunity-disclosure.pdf" rel="noopener noreferrer" target="_blank">Equal Housing Lender.</a>
<a href="storage/app/media/Disclosure%20PDFs/hmda-disclosure.pdf" rel="noopener noreferrer" target="_blank">Home Mortgage Disclosure Act Information.</a>
<span><img src="storage/app/media/eho-logo.png" alt="Equal Oportunity Lender logo" class="fr-fic fr-dii"> <img src="storage/app/media/ncua-logo.png" alt="National Credit Union Association logo" class="fr-fic fr-dii"></span></p>
<p style="text-align: justify;"><span>Illuminati Private Bank is committed to making its products and services conveniently accessible to all members. We are engaged in a continuing process to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at +1 (757) 859-9933. All products and services available on this website are available at all Illuminati Private Bank branches.</span></p> </div>
</div> </footer>
<!-- Modals -->
<div class="modal fade" id="members-fees-and-chargesModal" tabindex="-1" role="dialog" aria-labelledby="members-fees-and-chargesModalLabel">
<div class="modal-dialog modal-lg" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h6 class="modal-title" id="members-fees-and-chargesModalLabel">Service Fees and Charges</h6>
<p class="modal-subtitle">This fee schedule covers deposit accounts and miscellaneous member services. Fees effective September 30, 2019.</p>
</div>
<div class="modal-body">
<table class="table table-bordered" style="width: 100%; margin-left: calc(0%);">
<thead>
<tr>
<th style="width: 76.3704%;">Personal Checking Monthly Fees
<br>
</th>
<th class="group-header" style="width: 23.6296%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td>Premier Checking
<br>
</td>
<td style="text-align: center;">Free
<br>
</td>
</tr>
<tr>
<td>NPremier Secure Checking</td>
<td style="text-align: center;">$4.00</td>
</tr>
<tr>
<td>Essential Checking (with eStatements)
<br>
</td>
<td style="text-align: center;">$8.00
<br>
</td>
</tr>
<tr>
<td>Essential Checking (if not signed up for eStatements)
<br>
</td>
<td style="text-align: center;">$9.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th style="width: 76.4624%;">Related Checking Fees (personal or business)
<br>
</th>
<th class="group-header" style="width: 23.3983%;">
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.4624%;">Stop payment, per item, per range or sequence
<br>
</td>
<td style="width: 23.3983%; text-align: center;">$28.00
<br>
</td>
</tr>
<tr>
<td>Paid or returned overdraft (NSF) fee, per item (check, ACH, or Bill Pay)
<br>
</td>
<td style="text-align: center;">$28.00
<br>
</td>
</tr>
<tr>
<td>Overdraft transfer fee, per occurrence
<br>
</td>
<td style="text-align: center;">$3.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Automated Teller Machines (ATM)*
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Withdrawal/inquiry at non-CO-OP network ATM
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$1.50
<br>
</td>
</tr>
<tr>
<td>New card issuance and anniversary date thereafter
<br>
</td>
<td style="text-align: center;">$10.00
<br>
</td>
</tr>
</tbody>
</table>
<p>* Surcharge fees assessed by other institution may be charged to your account. </p>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Credit/Debit Cards
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Copies of charge slips (per transaction)
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Replace card
<br>
</td>
<td style="text-align: center;">$5.00
<br>
</td>
</tr>
<tr>
<td>Emergency card issuance
<br>
</td>
<td style="text-align: center;">$50.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 100%;">
<thead>
<tr>
<th>Wire Transfers
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Direct wire transfers inside the USA
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$25.00
<br>
</td>
</tr>
<tr>
<td>Direct wire transfers outside the USA
<br>
</td>
<td style="text-align: center;">$55.00
<br>
</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<table class="table table-bordered" style="width: 99%; margin-right: calc(1%);">
<thead>
<tr>
<th>Miscellaneous
<br>
</th>
<th>
<div data-empty="true">
<br>
</div>
</th>
</tr>
</thead>
<tbody>
<tr>
<td style="width: 76.7131%;">Membership fee
<br>
</td>
<td style="width: 23.1476%; text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Paper State service charge</td>
<td>$2.00/each</td>
</tr>
<tr>
<td>Closing checking or savings within 180 days of opening account
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
<tr>
<td>Inactive checking (no activity has occurred on a checking account for 90 days with a balance of less than $1,000)
<br>
</td>
<td style="text-align: center;">$5.00 per month
<br>
</td>
</tr>
<tr>
<td>Dormant account fee (no activity on any of your accounts for more than one year)
<br>
</td>
<td style="text-align: center;">$5.00 per month
<br>
</td>
</tr>
<tr>
<td>Single service fee (member only has savings account with less than $100 and is age 19 or older)
<br>
</td>
<td style="text-align: center;">$5.00 per month
<br>
</td>
</tr>
<tr>
<td>Undeliverable or incorrect statement address
<br>
</td>
<td style="text-align: center;">$5.00
<br>
</td>
</tr>
<tr>
<td>Foreign item fee
<br>
</td>
<td style="text-align: center;">$25.00
<br>
</td>
</tr>
<tr>
<td>Garnishment processing fee (per item)
<br>
</td>
<td style="text-align: center;">$50.00
<br>
</td>
</tr>
<tr>
<td>Research, copies, or account reconciliation, per half hour ($5 minimum)
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
<tr>
<td>Returned checks on another person's account at another institution
<br>
</td>
<td style="text-align: center;">$10.00</td>
</tr>
<tr>
<td>Returned checks on your account at another institution
<br>
</td>
<td style="text-align: center;">$25.00
<br>
</td>
</tr>
<tr>
<td>Phone loan payment using non-Illuminati Private Bank card
<br>
</td>
<td style="text-align: center;">$10.00
<br>
</td>
</tr>
<tr>
<td>Expedited title fee
<br>
</td>
<td style="text-align: center;">$15.00
<br>
</td>
</tr>
<tr>
<td>Cashier's checks (first check per day is free)
<br>
</td>
<td style="text-align: center;">
<div style="margin-left: 20px;">$2.00 per check</div>
</td>
</tr>
<tr>
<td>Declaration of loss (cashier's check)
<br>
</td>
<td style="text-align: center;">$25.00</td>
</tr>
<tr>
<td>Check cashing (member only has savings account with less than $100 and is age 19 or older)
<br>
</td>
<td style="text-align: center;">10% of check or $10 maximum</td>
</tr>
<tr>
<td>Skip payment request (via eBanking)</td>
<td style="text-align: center;">$30.00</td>
</tr>
<tr>
<td>Skip payment request (via branch)</td>
<td style="text-align: center;">$40.00</td>
</tr>
</tbody>
</table>
<p>
<br>
</p>
<p>Please refer to the rate schedules for Savings, Checking, and Certificate Accounts for dividend and interest rates and annual percentage yields. Service fees and charges are subject to change without prior notice. Service fees and charges are not applicable to youth accounts. This schedules of fees and charges is part of your Membership and Account Agreement. </p>
<p>Federally insured by SSCA. </p>
</div>
<div class="modal-footer">
<button type="button" class="btn btn-fluid" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
</div>
</div>
</div>
</div>
<button id="to-top" aria-label="Back to Top"><i class="fa fa-chevron-up" aria-hidden="true"></i></button>
<!-- External Link Modal -->
<div class="modal fade" id="externalModal" tabindex="-1" role="dialog" aria-labelledby="externalModalLabel">
<div class="modal-dialog" role="document">
<div class="modal-content">
<div class="modal-header">
<button type="button" class="close" data-dismiss="modal" aria-label="Close"><span aria-hidden="true">×</span></button>
<h4 id="externalModalLabel">See you again soon!</h4>
</div>
<div class="modal-body">
<p>Clicking on this link means you’re leaving Illuminati Private Bank's website and entering a site hosted by another party. Note that Illuminati Private Bank is not responsible for the product, service, security, or overall website content available at the linked site. Note that if you enter into a transaction with a linked site, Illuminati Private Bank does not represent you or the third party. Please review the policies of the site you'll be visiting, because they may differ from Illuminati Private Bank's.</p>
</div>
<div class="modal-footer">
<button type="button" class="btn btn-primary btn-fluid">Continue</button>
</div>
</div>
</div>
</div>
<!-- Scripts -->
<script src="../code.jquery.com/jquery-1.12.4.min.js" integrity="sha256-ZosEbRLbNQzLpnKIkEdrPv7lOy9C27hHQ+Xp8a4MxAQ=" crossorigin="anonymous"></script>
<script>window.jQuery || document.write('<script src="themes/nwcu-harlo/assets/vendor/jquery.js"><\/script>')</script>
<script src="themes/nwcu-harlo/assets/vendor/bootstrap.js"></script>
<script src="themes/nwcu-harlo/assets/vendor/stacktable/js/stacktable.js"></script>
<script src="themes/nwcu-harlo/assets/vendor/slick/js/slick.min.js"></script>
<script src="themes/nwcu-harlo/assets/javascript/app.min4f4d.js?v=083120"></script>
<script src="modules/system/assets/js/framework.js"></script>
<script src="modules/system/assets/js/framework.extras.js"></script>
<link rel="stylesheet" property="stylesheet" href="modules/system/assets/css/framework.extras.css">
</body>
<!-- Mirrored from www.illuminatiprivate.express/home-loans by www.illuminatiprivate.express, Thu, 03 Dec 2020 07:04:37 GMT -->
</html>