First Lien Position

Effective date: June 1, 2021

RequirementsTerm/MosRateAPRMinimumMaximum
Terms up to & including 60 mo. maximum 85% LTVUp to 603.250%3.251%$10,000$250,000
Terms 61 up to & including 120 mo. with 85% LTV61-1203.550%3.551%$10,000$250,000
Terms 121 up to & including 180 mo. with 80% LTV or below121-1803.750%3.752%$10,000$250,000
Terms 181 up to & including 240 mo. with 80% LTV or below181-2403.950%3.952%$10,000$250,000

Requirements: Terms up to & including 60 mo. maximum 85% LTV

  • Term/Mos
  • Rate
  • APR
  • Minimum
  • Maximum
  • Up to 60
  • 3.250%
  • 3.251%
  • $10,000
  • $250,000

Requirements: Terms 61 up to & including 120 mo. with 85% LTV

  • Term/Mos
  • Rate
  • APR
  • Minimum
  • Maximum
  • 61-120
  • 3.550%
  • 3.551%
  • $10,000
  • $250,000

Requirements: Terms 121 up to & including 180 mo. with 80% LTV or below

  • Term/Mos
  • Rate
  • APR
  • Minimum
  • Maximum
  • 121-180
  • 3.750%
  • 3.752%
  • $10,000
  • $250,000

Requirements: Terms 181 up to & including 240 mo. with 80% LTV or below

  • Term/Mos
  • Rate
  • APR
  • Minimum
  • Maximum
  • 181-240
  • 3.950%
  • 3.952%
  • $10,000
  • $250,000

*No Closing Cost Program

For Example: A $100,000 1st position home equity loan with an LTV of 85% for 60 months at 3.251% APR would have a payment amount of $1,808.02 and a finance charge of $8,481.39. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.
*All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.
**Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 85% loan to value (LTV) ratio and a sample loan amount of $100,000.
***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 80% loan to value (LTV) ratio and a sample loan amount of $100,000.

Second Lien Position

Effective date: June 1, 2021

RequirementsTerm/MosRateAPRMinimumMaximum
Terms up to & including 60 mo. maximum 85% LTVUp to 603.500%3.501%$10,000$250,000
Terms 61 up to & including 120 mo. with 85% LTV61-1203.750%3.751%$10,000$250,000
Terms 121 up to & including 180 mo. with 80% LTV or below121-1803.950%3.952%$10,000$250,000
Terms 181 up to & including 240 mo. with 80% LTV or below181-2404.150%4.152%$10,000$250,000

Requirements: Terms up to & including 60 mo. maximum 85% LTV

  • Term/Mos
  • Rate
  • APR
  • Minimum
  • Maximum
  • Up to 60
  • 3.500%
  • 3.501%
  • $10,000
  • $250,000

Requirements: Terms 61 up to & including 120 mo. with 85% LTV

  • Term/Mos
  • Rate
  • APR
  • Minimum
  • Maximum
  • 61-120
  • 3.750%
  • 3.751%
  • $10,000
  • $250,000

Requirements: Terms 121 up to & including 180 mo. with 80% LTV or below

  • Term/Mos
  • Rate
  • APR
  • Minimum
  • Maximum
  • 121-180
  • 3.950%
  • 3.952%
  • $10,000
  • $250,000

Requirements: Terms 181 up to & including 240 mo. with 80% LTV or below

  • Term/Mos
  • Rate
  • APR
  • Minimum
  • Maximum
  • 181-240
  • 4.150%
  • 4.152%
  • $10,000
  • $250,000

*No Closing Cost Program

For Example: A $100,000 1st position home equity loan with an LTV of 85% for 60 months at 3.251% APR would have a payment amount of $1,808.02 and a finance charge of $8,481.39. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.
*All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $588 to $1,488 for loans up to $100,000.
**Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 85% loan to value (LTV) ratio and a sample loan amount of $100,000.
***Rates and Terms are subject to change without prior notice. The APR is based upon the maximum term allowed at an 80% loan to value (LTV) ratio and a sample loan amount of $100,000.