Home Equity Loans

Your Home is your most valuable asset and the most economical method of borrowing. Get a PFFCU Home Equity Loan (Second Mortgage) and enjoy Great Rates, Service and More!

Applying is easy and takes only about 10 minutes.  Apply Now. »
If you prefer, you can apply by calling 215-931-0300 or 800-228-8801, or visiting any PFFCU branch. Apply during regular business hours and you’ll receive a loan decision within one business day.

PFFCU Home Equity Loan Personalized Service

For Personalized Service, apply for your PFFCU Home Equity Loan (Second Mortgage) six-days-a-week in person or by telephone. Visit any of our conveniently located branches in Philadelphia, Bucks County, Montgomery County, PA and NJ for all of your financial needs. Members in Washington Township, NJ area can stop by our branch on Route 42. Members in the Mt. Laurel, Cherry Hill area can stop by our newest branch on Lenola Road across from the Moorestown Mall.

Not near a branch? Contact our Call Center at 215-931-0300 or 800-228-8801 and one of our knowledgeable Telephone Member Service Representatives can guide you through your Home Equity Loan application process.

Convenient PFFCU branch locations

PFFCU has conveniently located branches in Philadelphia, Bucks County and Montgomery County, PA and NJ. Members who live, work or travel in Mt. Laurel, Cherry Hill and Washington Township can stop into our two NJ branches to get a Home Equity Loan (Second Mortgage). Our Moorestown Mall branch on Lenola Road, across from Macy’s, is easily accessible from Mt. Laurel and Cherry Hill. Members in the Washington Township area enjoy the convenience of our branch on Rt. 42.

Come to PFFCU for the best home equity loan rates in Bucks County PA, Montgomery County PA and best home equity loan rates in Cherry Hill, Mt. Laurel and Washington Township NJ.

PFFCU is the best source for a home equity line of credit in Washington Township NJ, Cherry Hill and Washington Township NJ. And the best source for a home equity line of credit in Bucks County and Montgomery County PA.


Loan Protection Insurance4

Credit Life Insurance is designed to pay off the loan if the borrower dies; while Credit Disability Insurance takes over the loan payments if the borrower becomes disabled. Certain restrictions apply.

For more information, call us at 215-931-0300 or 800-228-8801.

How To Calculate Your Loan-to-Value (LTV) Ratio

Add your loan amount and the amount of any outstanding liens on your property. Divide the total by the appraised value of your home. The result is your Loan-to-Value (LTV) ratio. Your LTV will be a factor in determining your interest rate and how much you can borrow.

  1. $250 is charged for the appraisal of an investment property. $100 is charged if you choose an appraisal upgrade.
  2. Single-family owner-occupied vacation properties have a maximum loan-to-value (LTV) ratio of 80%. Investment properties have a maximum loan-to-value of 70%, and must be owned for a minimum of 24 months.
  3. The Annual Percentage Rate (APR) you will receive will depend upon loan amount, term of the loan, Loan-to-Value (LTV), and credit score. The stated rates for loans up to 80% reflect a 1/4% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU and are SUBJECT TO CHANGE WITHOUT NOTICE. Automatic payment required for loans with greater than 80% LTV.
  4. Loan protection insurance is optional and is not required to be approved for a loan.