Home Equity & Improvement Rates

Current Prime Rate is 4.00% effective 05/05/2022 as published in the Wall Street Journal

Fixed Rate Home Equity* (Up to 80% loan to value)

Fixed Rate Home Equity* (Up to 80% loan to value)
Effective Date: Monday, May 16th, 2022
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)

Fixed Rate Home Equity* (Up to 80.01% to 90% loan to value)
Effective Date: Monday, May 16th, 2022
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)

Home Equity Advantage* (Up to 80.01% to 90% loan to value)
Effective Date: Monday, May 16th, 2022
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)

Home Equity Advantage* (Up to 90.01% to 100% loan to value)
Effective Date: Monday, May 16th, 2022
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 Equity FLEX-LOCK

Home Equity Flex-Lock
Home Equity Flex-Lock

$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 change 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.

Simpli-Easy Refi*

Simpli-Easy Refi*
Effective Date: Monday, May 16th, 2022
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 5.500% $14.37
180 6.000% $8.44

Bridge Loans* (Up to 80% loan to value)

Bridge Loans* (Up to 80% loan to value)
Effective Date: Monday, May 16th, 2022
Term In Months (Up To)Annual Percentage Rate (As Low As)Estimated Monthly Payments Per $1,000 Borrowed**
6 5.34% $18.55

Equal Housing Lender

*Certain restrictions apply

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

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