{"id":2481,"date":"2024-05-28T14:52:43","date_gmt":"2024-05-28T21:52:43","guid":{"rendered":"https:\/\/www.tucoemas.org\/home-equity-line-credit\/"},"modified":"2026-03-10T09:17:31","modified_gmt":"2026-03-10T16:17:31","slug":"home-equity-line-credit","status":"publish","type":"page","link":"https:\/\/www.tucoemas.org\/es\/borrow\/home-equity-line-credit\/","title":{"rendered":"L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__page-hero\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<header class=\"co-page_hero  co-page_hero__has_image display-img-desktop\" aria-label=\"Encabezado: HELOC\">\n\t\t<div class=\"co-page_hero--inner\">\n\t\t\t<div class=\"prow gap:0\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--img_wrap pcol-lg:5\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"550\" src=\"https:\/\/www.tucoemas.org\/files\/HERO-template-HELOC.jpg\" class=\"co-page_hero--img\" alt=\"HERO-template-HELOC\" srcset=\"https:\/\/www.tucoemas.org\/files\/HERO-template-HELOC.jpg 550w, https:\/\/www.tucoemas.org\/files\/HERO-template-HELOC-540x540.jpg 540w, https:\/\/www.tucoemas.org\/files\/HERO-template-HELOC-150x150.jpg 150w, https:\/\/www.tucoemas.org\/files\/HERO-template-HELOC-396x396.jpg 396w, https:\/\/www.tucoemas.org\/files\/HERO-template-HELOC-75x75.jpg 75w, https:\/\/www.tucoemas.org\/files\/HERO-template-HELOC-300x300.jpg 300w, https:\/\/www.tucoemas.org\/files\/HERO-template-HELOC-400x400.jpg 400w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"co-page_hero--text pcol-lg:7\">\n\t\t\t\t\t\t\t\t\t\t<h1 class=\"co-page_hero--title\">\n\t\t\t\t\t\tL\u00ednea de Cr\u00e9dito Sobre el Valor Neto de la Vivienda (HELOC)\t\t\t\t\t<\/h1>\n\t\t\t\t\t<p class=\"co-page_hero--tagline\">Aproveche el potencial de su vivienda.<\/p>\t\t\t\t\t\t<div class=\"co-page_hero--buttons\">\n\t\t\t\t\t\t\t<a class=\"co-page_hero--button\" href=\"https:\/\/apply.tucoemas.org\/he\/HomeEquityLoan.aspx?lenderref=TucoemasFCU_10142024\"  ><span>SOLICITE HOY MISMO<\/span><\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/header>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__page-intro\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-page_intro\">\n\t\t<h2 class=\"co-page_intro--title\">L\u00ednea de Cr\u00e9dito Sobre el Valor Neto de la Vivienda (HELOC)<\/h2><div class=\"co-page_intro--desc text-component\"><p>Una HELOC de Tucoemas le permite obtener un pr\u00e9stamo de hasta el 80% del valor de su vivienda para ayudarle a cubrir los gastos de la vida cotidiana.<\/p>\n<\/div>\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" id=\"heloc\">\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">La nueva y mejorada l\u00ednea de cr\u00e9dito sobre el valor neto de la vivienda (HELOC)<\/h2><div class=\"co-intro_text--intro text-component\"><p>Con un l\u00edmite de cr\u00e9dito establecido, puede pedir prestado seg\u00fan lo necesite, para lo que necesite.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-long_form--block prow items-start\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:7\">\n\t\t\t\t\t<h3 class=\"co-long_form--headline\" >\u00a1Solic\u00edtela hoy mismo y aproveche los pagos de solo intereses durante el per\u00edodo de disposici\u00f3n!<\/h3><div class=\"co-long_form--content text-component\"><p><strong>\u00bfBeneficios?<\/strong><\/p>\n<ul>\n<li>Tarifas competitivas<\/li>\n<li>Proceso r\u00e1pido de aprobaci\u00f3n y cierre<\/li>\n<li>Sin comisiones por solicitud<\/li>\n<li>Sin comisiones anuales<\/li>\n<li>Sin penalizaci\u00f3n por pago anticipado<\/li>\n<li>Sin costos de cierre (sujeto a un per\u00edodo de recuperaci\u00f3n de 3 a\u00f1os)<\/li>\n<li>Opciones de financiamiento disponibles para una segunda vivienda o propiedades de inversi\u00f3n.<\/li>\n<\/ul>\n<p>\u00a1Tambi\u00e9n tendr\u00e1 acceso r\u00e1pido a los fondos a trav\u00e9s de cheques, la banca en l\u00ednea\/m\u00f3vil, una sucursal o por tel\u00e9fono!<\/p>\n<p>Para solicitar,<\/p>\n<\/div><a class=\"co-long_form--button co-button\" href=\"https:\/\/apply.tucoemas.org\/he\/HomeEquityLoan.aspx?lenderref=TucoemasFCU_10142024\"  ><span>SOLICITAR<\/span><\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-long_form--media pcol-md:5\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/www.tucoemas.org\/files\/Long-format-Home.jpg\" class=\"co-long_form--image\" alt=\"Long-format-Home\" srcset=\"https:\/\/www.tucoemas.org\/files\/Long-format-Home.jpg 400w, https:\/\/www.tucoemas.org\/files\/Long-format-Home-150x150.jpg 150w, https:\/\/www.tucoemas.org\/files\/Long-format-Home-396x396.jpg 396w, https:\/\/www.tucoemas.org\/files\/Long-format-Home-75x75.jpg 75w, https:\/\/www.tucoemas.org\/files\/Long-format-Home-300x300.jpg 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__single-path-cta\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-sp_cta\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">H\u00e1gase miembro<\/h2><div class=\"co-intro_text--intro text-component\"><p>Como copropietario de Tucoemas, nuestras ganancias le benefician directamente a trav\u00e9s de mejores tasas y comisiones m\u00e1s bajas.<\/p>\n<\/div>\t\t<\/header>\n\t\t<a class=\"co-sp_cta--button\" href=\"https:\/\/www.tucoemas.org\/es\/open-account\/\"  ><span>\u00daNASE<\/span><\/a>\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__related-products\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-rel_prods center-narrow\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Explora otros productos y servicios<\/h2>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-rel_prods--cols prow prow-md:2  justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-rel_prods--col\">\n\t\t\t\t\t\t<h3 class=\"co-rel_prods--col_title\">Seguro<\/h3><a class=\"co-rel_prods--col_cta\" href=\"https:\/\/www.tucoemas.org\/es\/protect\/\" target=\"_top\" aria-label=\"Leer m\u00e1s sobre Seguros\"><span>M\u00e1s informaci\u00f3n<\/span><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"co-rel_prods--col\">\n\t\t\t\t\t\t<h3 class=\"co-rel_prods--col_title\">Pr\u00e9stamos hipotecarios<\/h3><a class=\"co-rel_prods--col_cta\" href=\"https:\/\/www.tucoemas.org\/es\/borrow\/mortgage-loans\/\" target=\"_top\" aria-label=\"Lea m\u00e1s sobre los pr\u00e9stamos hipotecarios\"><span>M\u00e1s informaci\u00f3n<\/span><\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__back-to-top\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t<div class=\"co-back_top\">\n\t<a class=\"co-back_top--link\" href=\"#\" aria-label=\"\">\n\t\tVolver arriba\t\t<svg class=\"co-back_top--link_icon\" viewbox=\"0 0 26 20\" role=\"img\" aria-label=\"Volver arriba\">\n\t\t\t<use xlink:href=\"https:\/\/www.tucoemas.org\/wp-content\/themes\/tucoemas-theme\/images\/sprite-icons.svg#back-top\" \/>\n\t\t<\/svg>\n\t<\/a>\n<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<dl class=\"co-disclosures--list\">\n\t\t\t\t\t\t\t<div class=\"co-disclosure\">\n\t\t\t\t\t<dd class=\"co-disclosure--desc\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text-component\"><p>La Tasa de Porcentaje Anual (TAE) es variable, se basa en un \u00edndice m\u00e1s un margen y est\u00e1 sujeta a cambios. El margen se basa en su calificaci\u00f3n crediticia. Una cuenta nueva en la que no se utilizar\u00e1n fondos para liquidar una cuenta existente recibir\u00e1 un margen preferencial, que consiste en una reducci\u00f3n del margen est\u00e1ndar del uno por ciento en un 0.50%. La TAE incluye solo intereses y ning\u00fan otro costo. El per\u00edodo de disposici\u00f3n es de 10 a\u00f1os; una vez finalizado, el plazo de amortizaci\u00f3n ser\u00e1 de 180 o 120 meses, seg\u00fan el plan de capital de la vivienda. Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) est\u00e1 garantizada por un gravamen hipotecario de primera o segunda hipoteca sobre su vivienda, que debe ser una vivienda unifamiliar, un condominio, una casa adosada o una casa prefabricada, y excluye las viviendas m\u00f3viles. <a>Casas<\/a>. Est\u00e1 disponible hasta por 80% del valor total del pr\u00e9stamo de la propiedad que lo respalda, y solo para propiedades ubicadas en California. Las tasas y los t\u00e9rminos est\u00e1n sujetos a cambios sin previo aviso. El cr\u00e9dito est\u00e1 sujeto a revisi\u00f3n y aprobaci\u00f3n crediticia; no todos los solicitantes califican. Podr\u00eda requerirse seguro contra inundaciones y riesgos de propiedad. Se aplican otras restricciones.<\/p>\n<\/div>\t\t\t\t\t<\/dd>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-disclosure\">\n\t\t\t\t\t<dd class=\"co-disclosure--desc\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text-component\"><p><a href=\"https:\/\/www.tucoemas.org\/files\/Important-Terms-of-our-HELOC-03.26.pdf\" target=\"_blank\" rel=\"noopener\">T\u00c9RMINOS IMPORTANTES de nuestra L\u00cdNEA DE CR\u00c9DITO CON GARANT\u00cdA DE VIVIENDA<\/a><\/p>\n<ul>\n<li>Tucoemas Federal Credit Union est\u00e1 asegurada a nivel federal por la NCUA<\/li>\n<li><a href=\"https:\/\/www.tucoemas.org\/es\/docs\/default-source\/default-document-library\/equal-housing-lender-poster-single.pdf\/\" target=\"_blank\" rel=\"noopener\">Prestamista de vivienda equitativa<\/a><\/li>\n<li>Empleador que ofrece igualdad de oportunidades<\/li>\n<\/ul>\n<\/div>\t\t\t\t\t<\/dd>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/dl>\n\t<\/div>\n\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":10,"featured_media":0,"parent":2473,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-2481","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home Equity Line of Credit - Tucoemas FCU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tucoemas.org\/es\/borrow\/home-equity-line-credit\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Equity Line of Credit - Tucoemas FCU\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tucoemas.org\/es\/borrow\/home-equity-line-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"Tucoemas FCU\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-10T16:17:31+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.tucoemas.org\/borrow\/home-equity-line-credit\/\",\"url\":\"https:\/\/www.tucoemas.org\/borrow\/home-equity-line-credit\/\",\"name\":\"Home Equity Line of Credit - Tucoemas FCU\",\"isPartOf\":{\"@id\":\"https:\/\/www.tucoemas.org\/#website\"},\"datePublished\":\"2024-05-28T21:52:43+00:00\",\"dateModified\":\"2026-03-10T16:17:31+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.tucoemas.org\/borrow\/home-equity-line-credit\/#breadcrumb\"},\"inLanguage\":\"es-ES\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.tucoemas.org\/borrow\/home-equity-line-credit\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.tucoemas.org\/borrow\/home-equity-line-credit\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.tucoemas.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loans &#038; 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