Simple Financing

If you’re looking to do home improvements this summer, give Santa Clara-based National 1st Credit Union a call. National 1st specializes in mortgage loan products to help you meet your home remodel goals. National 1st offers a Home Equity Line of Credit (HELOC) and a fixed-rate second mortgage. Both offer competitive rates, plus you’ll have the security of knowing your loan is with a financially sound local financial institution.

One of the most popular home improvement loans is the Home Equity Line of Credit, which has no closing costs, loan amounts up to $200,000 or up to 75% of your home’s appraised value (less any other mortgages.).

According to Laura Lacomblé, Vice President of Human Resources and Marketing at National 1st, a Home Equity Line of Credit is a great way to utilize the equity in your home to pay for home improvements. “The National 1st HELOC is easy to use. It has a ten-year draw period, which allows members to advance the funds when needed. Our members report they have used the HELOC loan for kitchen remodels, a new roof, a new swimming pool for the backyard, or a room addition because of a growing family.”

Lacomblé says the advantage to doing business with National 1st Credit Union rather than a bank is the competitive loan rates and exceptional service. “We make good business decisions. We make sure that our members really understand the loan product that they’re selecting, and that they will have payments they can live with,” she says.

 Additionally, because it is a local financial institution, National 1st prides itself on working closely with its members. “You can walk into our branches, and you will receive answers to your questions from a friendly credit union representative,” says Lacomblé. “We are a local financial institution and we don’t outsource our service, meaning when you call the credit union you can be confident that you’re speaking with us directly.”

National 1st Credit Union has been serving Santa Clara County since 1968. With superior products and services like the Home Equity Line of Credit, Lacomblé believes that National 1st offers what people are looking for in a financial institution: competitive rates, exceptional service and convenient online account access.

For more information or to open an account with National 1st, call or come into one of their branches. National 1st Credit Union, Santa Clara branch: 2999 San Ysidro Way, Santa Clara. Call (408) 524--4500 or (888) 672-6073. Almaden Branch: 5353 Almaden Expressway, #80 (next to TJ Maxx), San Jose. Call (408) 524-4500 or (888) 672-6073, or visit http://www.national1st.org.