Big Deck Envy - SIMPLE Refinance | TAPCO Credit Union - Tacoma & Pierce County

Big Deck Envy


Is it time to talk about a bigger deck?

If you suffer from Big Deck Envy, a TAPCO SIMPLE Home Equity Loan, Line of Credit or Refinance can help alleviate symptoms by providing you equity for home improvements including a bigger deck to enjoy.

Envious Rates + No Closing Costs*

SIMPLE Refinance - as low as 1.99% APR*
TAPCO SIMPLE Refinance are available in 5, 10, 15, and 20 year terms. With a cash-out refinance you can use your equity and pay back through your mortgage payment.

SIMPLE Fixed-Rate Home Equity Loan - as low as 2.99% APR*
Our fixed-rate loan provides you a lump sum for a specific loan term and your interest rate will not change during the life of your loan.

SIMPLE Home Equity Line of Credit (HELOC) - **Intro Rate 2.99% APR* for 12 months on a HELOC. After, receive a variable rate between 3.99% - 6.74% APR
Designed for maximum flexibility with a 10-year draw period, our variable rate open-end HELOC functions like a credit card. Borrow only what you need, when you need it, and make payments along the way.





Deck of Dreams

1 in 8 Americans Suffer from Big Deck Envy

Big Deck Envy is not a real medical condition. Getting a bigger deck to enjoy for 3 months of summer could help alleviate envy or cause Big Deck Envy for others. Contact your trusted contractor to discuss your bigger deck options.

*APR= Annual Percentage Rate. All loans subject to approval. TAPCO Credit Union NMLS #504286 *No closing costs except the full appraisal, if needed. If borrower closes the loan within 36 months from its opening date, the borrower will be required to reimburse TAPCO for closing costs. Homeowner is required to pay taxes and insurance. Financing only available on homes in Washington State. Combined first and second mortgages may not exceed Fannie Mae conventional or conforming limits. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, LTV, and collateral conditions. Payment Example: $50,000 for 10 years at 1.99% APR will have a monthly payment of $459.82.

**HELOCs only: Introductory rate of 2.99% APR in effect for the first 12 billing cycles after the loan is opened. After that, the rate will convert to a variable rate based on the Prime Rate plus a margin that is based on credit. Currently 3.99% - 6.74% APR and will vary with the Prime Rate, but never to exceed 12.00%. There is an annual fee of $25.00, this fee is waived in any year where the interest paid is equal to or greater than $25.00. Financing only available on owner-occupied homes in Washington State.



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