Home Equity & Improvement Rates

Current Prime Rate is 4.75% effective 10/31/2019 as published in the Wall Street Journal

Fixed Rate Home Equity* (Up to 80% loan to value)
Effective Date: Thursday, December 5th, 2019
Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
60 4.09% $18.46
120 4.59% $10.41
180 5.34% $8.09

Fixed Rate Home Equity* (Up to 80.01% to 90% loan to value)
Effective Date: Thursday, December 5th, 2019
Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
60 5.09% $18.91
120 5.59% $10.90

Home Equity Advantage* (Up to 80.01% to 90% loan to value)
Effective Date: Thursday, December 5th, 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 6.34% $8.62

Home Equity Advantage* (Up to 90.01% to 100% loan to value)
Effective Date: Thursday, December 5th, 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 5.59% $19.14
120 6.34% $11.27
180 6.59% $8.76

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 6.84% $19.73
  84 7.84% $15.51
  120 8.34% $12.31
  180 8.84% $10.05

Simpli-Easy Refi*
Effective Date: Thursday, December 5th, 2019
Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
First Mortgage Refi Only -  $249 closing cost - Maximum LTV 80% Cash Out Option
84 3.750% $13.55
180 4.250% $7.52

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, December 5th, 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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