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Routing number 267080355

Home Help Loan

Get funds to fix your home or pay off your PACE loan.
No equity required. Easy qualifying.

It only takes 10 minutes!

Do you need to pay off your PACE loan?
We can help!


  • No equity required.
  • Easy application (no more than 10 minutes)
  • Use it to pay for contractors or existing PACE loans.

Here are some options on how to get the best possible outcome from your loan application:

Home Equity Line of Credit

For those with more than 80% loan-to-value on their homes and facing financial challenges due to debt or credit issues, this is ideal for critical home repairs.

Minimum Amount: $10,000
Maximum Amount: $50,000
Rate: Variable | Prime + 4.0% | Floor rate = 8.0%

Personal Line of Credit

Use it for home repairs, or to pay off your PACE loan.

Minimum Amount: $1,000
Maximum Amount: $30,000
Rate: 12.99% Fixed

Home Help Loan
Frequently Asked Questions

What is the Home Help Loan offered by Jetstream FCU?
The Home Help Loan is a specialized financing solution designed to assist homeowners with critical home repairs, even if they owe more on their home than its current market value. Jetstream FCU offers two options: Home Help LOC and Home Help Home Equity Line of Credit. The Home Help LOC targets homeowners facing challenging situations, such as owing more than the home's worth. The loan, with a fixed rate of 12.99%, covers essential repairs and can also pay off PACE Ygrene loans. The Home Help Home Equity Line of Credit addresses homeowners with more than 80% loan-to-value ratio, providing funds for repairs and paying off PACE Ygrene loans, with a variable rate starting at Prime + 4.0% (floor rate 8.0%).
How much can I borrow with the Home Help Loan?
The Home Help LOC allows borrowing between $1,000 and $30,000, while the Home Help Home Equity Line of Credit offers a range from $10,000 to $50,000. The loan amount depends on your specific needs and financial situation.
Can the Home Help Loan be used to pay off PACE Ygrene loans?
Yes, both Home Help Loan options can be utilized to pay off existing PACE Ygrene loans, offering homeowners a streamlined solution to manage their home improvement financing.
What is the interest rate for the Home Help LOC?
The Home Help LOC comes with a fixed interest rate of 12.99%, providing homeowners with stable and predictable monthly payments for their essential home repairs.
What is the interest rate for the Home Help Home Equity Line of Credit?
The Home Help Home Equity Line of Credit features a variable interest rate starting at Prime + 4.0%, with a floor rate of 8.0%. The rate may fluctuate based on market conditions.
How are the loan proceeds disbursed with the Home Help Loan?
For the Home Help LOC, all proceeds are made payable directly to the contractor and member upon satisfactory completion of the repairs. With the Home Help Home Equity Line of Credit, funds are made available to the member after the rescission period, allowing for timely access to the necessary funds.
What are the eligibility criteria for the Home Help Loan?
To qualify for the Home Help Loan, applicants must own and live in the home requiring repairs. Specific eligibility criteria may vary based on the chosen loan option, so it's recommended to consult with our loan specialists for personalized guidance.
How can I apply for the Home Help Loan?
Applying for the Home Help Loan is straightforward. Click on the "Apply Now" button for the chosen loan option on our website. You can also visit any of our branch locations, where our dedicated staff will assist you throughout the application process.
What documents do I need to provide during the application process?
While specific document requirements may vary, applicants typically need to provide proof of ownership, income verification, details of the home repairs, and identification documents. Our experienced loan officers will guide you through the necessary documentation, ensuring a smooth application process.
Is there a prepayment penalty for the Home Help Loan?
No, Jetstream FCU does not impose prepayment penalties for the Home Help Loan. Homeowners can pay off their loan early without incurring additional charges, providing financial flexibility and freedom.
How long does the application process take, and when can I expect to receive the funds?
The application processing time may vary based on the completeness of the documents provided and the chosen loan option. Our team strives to expedite the process to ensure timely disbursement of funds, allowing homeowners to initiate their essential home repairs promptly.

Miami Lakes

Phone: (305) 821-7060
Fax:     (305) 819-8072

Doral

Phone: (305) 821-7060
Fax:     (305) 418-4922

Mercy Hospital

Phone: (305) 821-7060
Fax:     (877) 233-6283

Puerto Rico

(305) 821-7060 ext. 8799
(800) 426-3556
(877) 213-2954 Fax

Shared Branch Locations


We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

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