

Home Equity
Rates effective 03/31/2023
*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.
**Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. Additional rates and terms are available. This monthly payment does not include taxes or insurance.
Home Equity Loans - Fixed Rate Mortgage
Rates effective 03/31/2023
*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.
**Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. Additional rates and terms are available. This monthly payment does not include taxes or insurance.
Home Equity Loans - Adjustable Rate Mortgage (ARM)
Rates effective 03/31/2023
*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.
**Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), an amortization term 20 years, and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. APR and payment amount may increase after consummation. Additional rates and terms are available. This monthly payment does not include taxes or insurance.
+Adjustment could occur after initial term. Adjustment is based on an index of UST1YW (1-year Constant Maturity weekly average yield) plus margin of 3.5%. Maximum annual adjustment is 2%; maximum over the life of the loan is 5%. No conversion option. Additional rates and terms are available.
Home Equity Line of Credit (HELOC)
*APR = Annual Percentage Rate. APR is based on owner occupied status, credit score and a loan to value (LTV) of 80% or less. Variable rate tied to Wall Street Journal Prime Rate, with a floor of 3% and a maximum rate of 11.50%. Finance charges may be imposed. Closing costs could range from $550-$1000. Rates and terms are subject to change at any time and without notice.
**Displayed rate and payment based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. Minimum monthly payment will equal the greater of $100.00 or $1.00 for each $100 (and fraction thereof) of the Principal Loan Balance as of the end of the month of the billing cycle of the most recent advance. This monthly payment does not include taxes or insurance.
**Displayed rate and payment based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. Minimum monthly payment will equal the greater of $100.00 or $1.00 for each $100 (and fraction thereof) of the Principal Loan Balance as of the end of the month of the billing cycle of the most recent advance. This monthly payment does not include taxes or insurance.