EQUITY ENTRÉE

The Equity Entrée product is designed for loans secured by residential real property. It can help your credit union meet your members' equity loan needs by offering a flexible, convenient, user-friendly home equity lending program. Both an open-end and a closed-end program is available. Each program is delivered to you in an electronic format and complies with California state and federal laws. 

Open-End Program
This complete program is a variable-rate line of credit secured by real property. Equity Entrée can help you meet your members' equity loan needs by offering a flexible, convenient, user friendly home equity lending program. The forms are tailored to your credit union's unique home equity parameters. Equity Entrée has been designed to comply with applicable state and federal regulation.

Equity Entrée Open-End Program
Form #4100

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Holden Act Fair Lending Notice
Form #1208
In accordance with the 1977 Housing Financial Discrimination Act, state and federal credit unions must provide this notice to members applying for real estate loans.

Holden Act Fair Lending Sign
Form #1209
In accordance with the 1977 Housing Financial Discrimination Act, state and federal credit unions that make real estate loans must display this sign.

Advanced Truth-in-Lending Disclosure
Form #4105
This disclosure contains the information required under the Truth in Lending Act to be provided at the time of application. It is tailored to your credit union's unique account terms. This form is only available as part of the Equity Entrée Lending Program and is not sold individually

Variable Rate Loan Agreement & Truth-in-Lending Disclosure
Form #4106
This is a promissory note which binds members to the credit agreement and outlines the terms of default. It is a required agreement and Truth-in-Lending disclosure for the Equity Entrée program to be used with the open-end program. This document details the terms of the loan for the member. It is available to credit unions on the Equity Entrée program and is customized to meet your needs. This form is only available as part of the Equity Entrée Lending Program and is not sold individually.

Equity Entrée Advance Request Voucher
Form #4108
This voucher is to record a requested loan against a home equity line of credit.T his form is only available as part of the Equity Entrée Lending Program and is not sold individually.

Notice of Right to Cancel
Form #4119
When a security interest is taken in a consumer’s primary residence, this Notice of Right to Cancel (Rescind) is required by the Truth in Lending Act to be given to each consumer whose ownership interest will be subject to the security interest. It informs consumers of their right to cancel the loan transaction subject to the limitations provided by the Truth in Lending Act. Available only in electronic PDF or Word format and only offered as part of the Equity Entree Home Equity Loan Package.

Home Equity Deed of Trust (Open-End)
Form #4121
This deed of trust secures the credit union’s interest in the real property when recorded in the county in which the property is located. This form is only available as part of the Equity Entrée Lending Program and is not sold individually.

Equity Entrée Loan Application
Form #4125
A standard length loan application for use with the Equity Entrée Program. This form is only available as part of the Equity Entrée Lending Program and is not sold individually

Equal Housing Lender Sign
Form #4128
Lets members know that “We Do Business in Accordance With Federal Fair Lending Laws.” This information must be posted by state and federal credit unions offering real estate loans.

FEMA Standard Flood Hazard Determination
Form #4141
Required for all real estate loans. FEMA regulation requires this form to be completed to identify whether the home being used as security for a loan is in a flood area. This form is only available as part of the Equity Entrée Lending Program and is not sold individually.