Home Equity Rates
Rates effective as of January 1, 2022
Home Equity Fixed Loans (70% LTV)
| A+ | A | B | C | D | E | |
|---|---|---|---|---|---|---|
| 60 Months | 3.24% APR | 3.49% APR | 3.74% APR | 4.24% APR | 5.24% APR | 5.74% APR |
| 120 Months | 3.49% APR | 3.74% APR | 3.99% APR | 4.49% APR | 5.49% APR | 6.49% APR |
| 180 Months | 3.74% APR | 4.24% APR | 4.49% APR | 4.99% APR |
All percentage rates are stated as APR (Annual Percentage Rate).
Home Equity Fixed Loans (80% LTV)
| A+ | A | B | C | D | E | |
|---|---|---|---|---|---|---|
| 60 Months | 3.49% APR | 3.74% APR | 3.99% APR | 4.49% APR | 5.49% APR | 6.00% APR |
| 120 Months | 3.74% APR | 3.99% APR | 4.24% APR | 4.74% APR | 5.74% APR | 6.74% APR |
| 180 Months | 4.24% APR | 4.49% APR | 4.74% APR | 5.24% APR |
All percentage rates are stated as APR (Annual Percentage Rate).
Home Equity First Lien Fixed (<80% LTV )
| A+ | A | B | C | D | E | |
|---|---|---|---|---|---|---|
| 60 Months | 2.24% | 2.49% | 2.74% | 2.99% | 3.24% | 3.49% |
| 120 Months | 2.49% | 2.74% | 2.99% | 3.24% | 3.49% | 3.74% |
| 180 Months | 2.74% | 2.99% | 3.24% | 3.49% | 3.74% | 3.85% |
All percentage rates are stated as APR (Annual Percentage Rate).
Home Equity Lines of Credit
| A+ | A | B | C | D | E | |
|---|---|---|---|---|---|---|
| 70% LTV | Prime | Prime+ 0.25 | Prime+ 0.50 | Prime+ 1.5 | Prime+ 2.5 | Prime+ 3.5 |
| 80% LTV | Prime+ 0.50 | Prime+ 0.75 | Prime+ 1.0 | Prime+ 2.0 | Prime+ 3.0 | Prime+ 4.0 |
Minimum rate is 4.25 APR%.
Rates, terms and down payments affect the monthly payment. As an example, the monthly payment for 75,000.00 financed at 120 months with an APR of 4.49 is $777.10. Terms and conditions may be found by clicking here.
