SCEFCU’s Lending Philosophy
HELOC payment is either 1.00% of balance up to 11% rate, or 1.25% if between 11.00% - 15.00% rate, or 1.50% if above a 15% rate. 100% LTV loans must be assigned to the R/E department for approval from the Director of Lending or COO. Bill Consolidation – Determine if current debts need to be paid to consider loan approval. ................
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