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Rates
 The HELOC rates quoted below are as of
July 5, 2010 and are subject to change at any time.
| Home Equity Line of Credit (Open End) Financing 1-180 Month Terms |
| Maximum Amount |
APR** |
Rate Type |
| $10,000 to $200K |
As low as 3.99% |
Variable |
| Home Equity Loan (Closed End) |
| Maximum Amount |
APR** |
Rate Type |
Term (in months) |
| $10,000 to $200K, 80% LTV |
As low as 6.24% |
Fixed |
Up to 240 months |
The real estate rates quoted below are as of
July 16, 2010 and are subject to change at any time.
| 30-Year Fixed Rate Mortgage - Conforming |
| Rate |
APR** |
Points |
| 4.625% |
4.798% |
0.000 |
| 15-Year Fixed Rate Mortgage - Conforming |
| Rate |
APR** |
Points |
| 4.00% |
4.149% |
0.000 |
| 3/1 Adjustable Rate Mortgage - Conforming |
| Rate |
APR** |
Points |
| 3.625% |
3.788% |
0.000 |
| 5/1 Adjustable Rate Mortgage - Conforming |
| Rate |
APR** |
Points |
| 3.750% |
3.914% |
0.000 |
| 7/1 Adjustable Rate Mortgage - Conforming |
| Rate |
APR** |
Points |
| 4.125% |
4.292% |
0.000 |
| 30-Year Fixed Rate Mortgage Jumbo Loan |
| Rate |
APR** |
Points |
| 5.500% |
5.638% |
0.000 |
| 15-Year Fixed Rate Mortgage Jumbo Loan |
| Rate |
APR** |
Points |
| 4.875% |
5.105% |
0.000 |
| 3/1 Adjustable Rate Mortgage Jumbo Loan |
| Rate |
APR** |
Points |
| 4.625% |
4.756% |
0.000 |
| 5/1 Adjustable Rate Mortgage Jumbo Loan |
| Rate |
APR** |
Points |
| 4.750% |
4.882% |
0.000 |
| 7/1 Adjustable Rate Mortgage Jumbo Loan |
| Rate |
APR** |
Points |
| 5.125% |
5.260% |
0.000 |
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For all Home Equity Loans and Lines of Credit:
1) APR = Annual Percentage Rate.
2) AUTOPAY. Without Autopay, Home Equity Loans and Lines of Credit are .25% higher.
3) Maximum Credit Limit: $200,000 or 80% of appraised value less liens, whatever is less.
4) Minimum Credit Limit: $10,000.
5) FEES & CHARGES. In order to open, use and maintain a Home Equity Line of Credit, you must pay an Annual Fee of $50.00 (Due on January 1st of each year).
6) TRANSACTION REQUIREMENTS. The minimum credit advance that you can receive is $5,000.00 for the first advance and $500.00 for each subsequent advance.
7) RATE INFORMATION. The maximum Annual Percentage Rate that can apply to a Home Equity Line of Credit is 18%. Your Annual Percentage Rate will not go below 3% at any time during the term of the plan.
8) MAXIMUM RATE & PAYMENT EXAMPLE. If you had an outstanding balance of $10,000, the minimum payment at maximum Annual Percentage Rate of 18% would be $161.04.
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