Hi! It's Ryan from Third Federal. Thank you for your interest in our Home Equity Line of Credit. Third Federal's HELOC has no closing costs or minimum draw requirements. Plus, you'll have balanced monthly payments and will pay less interest. To take advantage of all the benefits Third Federal has to offer, Please call me at 1-877-844-7366 , or, to lock your rate online, click https://thirdfederal.com/equitytext or respond to this text.NMLS#449401. Equal Housing Lender.Reply HELP for help, STOP to cancel.