Home Equity Rates

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

Effective Date: Tuesday, October 27th, 2026

Term In Months (Up To)	Annual Percentage Rate (As Low As)	Estimated Monthly Payments Per $1,000 Borrowed**
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60	8.00%	$20.28
120	8.25%	$12.27
180	8.50%	$9.85

Fixed Rate Home Equity* (Up to 80.01% to 90% loan to value)

Effective Date: Tuesday, October 27th, 2026

Term In Months (Up To)	Annual Percentage Rate (As Low As)	Estimated Monthly Payments Per $1,000 Borrowed**

60	8.25%	$20.40
120	8.50%	$12.40
121 to 180	9.00%	$10.14

Home Equity Advantage* (Up to 90.01% to 100% loan to value)

Effective Date: Tuesday, October 27th, 2026

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	9.00%	$20.76
120	9.50%	$12.94
180	10.00%	$10.75

Home Equity FLEX-LOCK

Home Equity Flex-Lock

$250 closing cost. 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 5.00%
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*

Effective Date: Tuesday, October 27th, 2026

Term In Months (Up To)	Annual Percentage Rate (As Low As)	Estimated Monthly Payments Per $1,000 Borrowed**

First Mortgage Refi Only - $499 closing cost - Maximum LTV 80% Cash Out Option
84	7.500%	$15.34
180	8.000%	$9.56

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

Effective Date: Tuesday, October 27th, 2026

Term In Months (Up To)	Annual Percentage Rate (As Low As)	Estimated Monthly Payments Per $1,000 Borrowed**

6	8.50%	$9.85

Current Prime Rate is 7.00% effective 10/01/2026 as published in the Wall Street Journal