Rates are current as of 01-21-2019. Rates, terms, and conditions are subject to change.
| Term | Loan to Value | 1st Lien Position - APR (as low as) | 2nd Lien Position - APR (as low as) |
|---|---|---|---|
| 5 Years | up to 80% | 3.74% | 3.99% |
| up to 90% | 3.99% | 4.99% | |
| 10 Years | up to 80% | 3.99% | 4.64% |
| up to 90% | 4.49% | 6.04% | |
| 15 Years | up to 80% | 4.49% | 5.24% |
| up to 90% | 4.74% | 6.39% | |
| 20 Years | up to 80% | 4.74% | 5.74% |
| up to 90% | 4.99% | 6.64% | |
| APR denotes Annual Percentage Rate. All APR calculations on Home Equity Loans are based on a $20,000 loan amount. The rates for this loan type are based on an evaluation of applicant credit. Maximum LTV for loan amounts up to $150,00 is up to 90%. The Maximum LTV for any loan amounts over $150,00 and up to $500,000 is 80%. | |||
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| Term | Loan to Value | APR (as low as) | After introductory period (as low as) |
|---|---|---|---|
| 1-Year Fixed-Rate Introductory Period | up to 80% | 2.99% | 5.50% |
| up to 85% | 3.49% | 6.00% | |
| 3-Year Fixed-Rate Introductory Period | up to 80% | 4.75% | 5.50% |
| up to 85% | 5.25% | 6.00% | |
| 1-Year Fixed-Rate Introductory Period with Interest Only Payments1 | up to 75% | 2.99% | 5.50% |
| 3-Year Fixed-Rate Introductory Period with Interest Only Payments1 | up to 75% | 4.74% | 5.50% |
| APR denotes Annual Percentage Rate. The minimum interest rate for a Home Equity Line of Credit is the Prime Rate plus a margin with a minimum floor of 3.50% ARPR and a maximum ceiling of 15% APR. The rates for this loan type after the introductory period is variable and are based on the applicant’s credit score at time of application. | |||
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