Home Equity & Improvement Rates

 

Fixed Rate Home Equity* (Up to 80% loan to value)
Effective Date: Thursday, July 18th, 2019
Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
60 4.29% $18.55
120 4.79% $10.50
180 5.54% $8.19

Fixed Rate Home Equity* (Up to 80.01% to 90% loan to value)
Effective Date: Thursday, July 18th, 2019
Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
60 5.29% $19.00
120 5.79% $11.00

Home Equity Advantage* (Up to 80.01% to 90% loan to value)
Effective Date: Thursday, July 18th, 2019
HE Advantage will allow up to $15,000 for Condominiums.
Term In MonthsAnnual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
121 to 180 6.54% $8.73

Home Equity Advantage* (Up to 90.01% to 100% loan to value)
Effective Date: Thursday, July 18th, 2019
HE Advantage will allow up to $15,000 for Condominiums.
Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
60 5.79% $19.24
120 6.54% $11.38
180 6.79% $8.87

Home Improvement Loan*
Loan Amount (Up To)Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
Loans over $15,000 or greater than 60 months fall under the Home Improvement Advantage program.
$25,000* 60 7.04% $19.82
  84 8.04% $15.61
  120 8.54% $12.42
  180 9.04% $10.17

Simpli-Easy Refi
Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
First Mortgage Refi Only -  $199 closing cost - Maximum LTV 80% No Cash Out - Maximum LTV 70%
84 4.04% $13.69
180 4.30% $7.55

Variable Rate Home Equity Line of Credit (HELOC)*
NotesTerm
$150 closing cost waived on advances of $10,000 or greater. Available Up To 90% LTV

Call for Rates

Rates starting as low as Prime Rate -.25% with a Maximum APR which will not exceed 18.00% and rate floor of 3.00%

Call us concerning any applicable home equity fees or closing costs.
Any HELOC rate changes will occur on the first of each month.
These plans will have a variable rate feature.  The Annual Percentage Rate (corresponding to the periodic rate) can change as a result.

Bridge Loans* (Up to 80% loan to value)
Effective Date: Thursday, July 18th, 2019
Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
12 4.29% $18.55

Equal Housing Lender

*Certain restrictions apply

**Estimated monthly payment reflects minimum available APR and maximum available term.

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