Estimated third-party fees (closing costs) range from $382 to $1,480. Heritage Grove will pay $400 towards closing costs. Maximum loan-to-value (LTV) is 80%. If the borrower does not maintain an average home equity line of credit balance of at least $20,000 during the first year, the credit union-paid closing costs ($400) will be added to the loan balance or payoff amount. Heritage Grove Credit Union membership required. Offer expires July 31, 2020. Offer subject to change without notice.