Forms & Disclosures
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Disclosures
Please read the following disclosures so that you are aware of the regulations that govern transactions at the credit union.
Loan Disclosures
Nationwide Mortgage Licensing System
AmeriChoice Federal Credit Union and all its Mortgage Loan Originators are registered with the Nationwide Mortgage Licensing System, a free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is licensed. Licensing information can be obtained at www.nmlsconsumeraccess.org.
Home Equity Line of Credit Disclosure
More and more lenders are offering home equity lines of credit. By using the equity in your home, you may qualify for a sizable amount of credit, available for use when and how you please, at an interest rate that is relatively low. Furthermore, under the tax law – depending on your specific situation – you may be allowed to deduct the interest because the debt is secured by your home.*
If you are in the market for credit, a home equity plan may be right for you or perhaps another form of credit would be better. Before making this decision, you should weigh carefully the costs of a home equity line against the benefits. Shop for the credit terms that best meet your borrowing needs without posing undue financial risk. And, remember, failure to repay the line could mean the loss or your home.
What You Should Know About Home Equity Lines of Credit
Disclosure- Important Terms of Our Home Equity Line of Credit Plan
*Consult a tax advisor for further information regarding the deductibility of interest and charges.