Home Equity Rates

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

Effective Date: Sunday, September 20th, 2026

Term In Months (Up To)	Annual Percentage Rate (As Low As)	Estimated Monthly Payments Per $1,000 Borrowed**
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60	7.88%	$20.22
120	8.13%	$12.20
180	8.38%	$9.77

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

Effective Date: Sunday, September 20th, 2026

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

60	8.13%	$20.34
120	8.38%	$12.33
121 to 180	8.88%	$10.07

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

Effective Date: Sunday, September 20th, 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	8.88%	$20.70
120	9.38%	$12.87
180	9.88%	$10.67

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: Sunday, September 20th, 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	7.375%	$15.28
180	7.875%	$9.48

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

Effective Date: Sunday, September 20th, 2026

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

6	8.38%	$9.77

Current Prime Rate is 7.00% effective 10/30/2025 as published in the Wall Street Journal