Hi Account Closed, I have a HELOC w/ American Heritage Federal Credit Union.  

Owning and being proud of your heritage is now considered racist?

I have lived in the Eastown and Heritage Hill neighborhoods for the past few years and I have not experienced any issues crime-wise. 

Hispanics and African heritage.

NYC tried it, and units get illegally subletted for decades taking the units out of the rental market.There is exactly 1 issue that both the Brookings Institution and the Heritage Foundation agree on, and it is rent control. 2 diametrically opposed institutions. 

Who owns and controls the property is a central idea to our common law heritage which has helped carve out the body of law we have around mortgages and deeds of trust.

American Heritage FCU - They are credit union in Philadelphia area, but I do not believe they have restrictions on residencyI don't know too much about CUs in the Bay area, buy you may want to also look into First Technology Federal Credit Union (Palo Alto), Provident Credit Union (Redwood City).Finally, you can get a list of credit unions that anyone can join here.

The spread is just too lean.I just renewed my line of credit last week and the bank notified me they were decoupling from WSJ prime and using what they were calling their own "Southern Heritage Bank" prime rate until the Fed raises the Fed Funds rate back up.

In the Philadelphia area I would suggest talking to American Heritage Credit Union, WSFS, and Sun Federal Credit Union.

Jenny - American Heritage Credit Union has a 30 year option on Multifamily.