Home Equity

10 Yr Closed-End Home Equity Loans

As Low As 6.50% Fixed APR**
No Closing Costs
Limits up to 95% of the appraised value of your home (less mortgage & liens)
Minimum loan amount of $5000
Repayment term up to 10 years
Interest may be tax deductible
(consult your tax advisor)

15 Yr Closed-End Home Equity Loans

As Low As 6.75% Fixed APR**
No Closing Costs
Limits up to 95% of the appraised value of your home (less mortgage & liens)
Minimum loan amount of $5000
Repayment term up to 15 years
Interest may be tax deductible
(consult your tax advisor)

**APR=Fixed Annual Percentage Rate.
Rate is based on creditworthiness and loan to value.

Additional Discounts for 10-Yr and 15-Yr Closed End balances

0.25% discount
balances of
$50,000-$99,999

0.50% discount
balances of
$100,000-$149,999

0.75% discount
balances of $150,000 +

*discount is off of your final loan rate

Balloon payment programs also available!

Home Equity Line of Credit

Variable APR As Low As 4.00%*
Rate tied to Prime less .25% and your Line of Credit Balance.
No closing costs as long as the loan is not paid off within the first 36 months of the loan
Line-of-credit up to 95% of the appraised value of your home (less mortgage & liens)
Minimum loan approval amount of $10,000, with an initial minimum advance of $10,000
10-year draw period with a 10-year repayment term
Interest may be tax deductible
(consult your tax advisor)
Payments based on as little as 1.00% of your outstanding balance as of your last advance

*APR=Variable Annual Percentage Rate.
Rate is tied to Prime less .25% (currently 3.50%) and your Line of Credit Balance. Subject to review and change quarterly with a maximum of 16%.