Type Term APR
Home Equity Loan Up to 10 Years 4.740% APR
Home Equity Loan Up to 15 Years 5.240% APR
Home Equity Loan Up to 20 Years 5.740% APR

Home Equity Line of Credit

Variable

4.000% APR

Home Equity Loan: APR (Annual Percentage Rate) is as of November 30, 2020 , and valid up to 80% combined loan-to-value on primary residence. Minimum loan amount $10,000. Rate may increase depending on your credit qualifications. Loan payment example: $104.80 per month for each $10,000 borrowed at 4.740% APR for 120 months. Best rate quoted for primary residence. California properties only. No fees up to $250,000. Closing costs and other fees may apply to loan amounts between $250,000 to $500,000. An early closure fee of $350 will apply if the loan is paid off and closed within the first two years. Rental property rates available (CLTV max 75%).

Home Equity Line of Credit: 4.000% APR (Annual Percentage Rate) as of November 30, 2020 and is variable based on the Prime Rate (index) currently at 3.25% as of November 5, 2020 plus a 0.75% margin and may be subject to adjust monthly. Your rate may vary based on creditworthiness, amount financed and other additional terms and conditions. Best rate quoted for primary residence. Fees may apply for loan amounts over $250,000 on primary residence. Rental property rates available. California properties only. No points, no fees and no closing costs applies to loans with a minimum loan amount of $10,000 and maximum loan amount of $250,000 for primary residences, rental, second or investment homes. Closing costs apply for loan amounts between $250,000 to $500,000 for primary residences, rental, second or investment homes. Combined loan-to-value up to 80% for primary homes and up to 75% for rental, second or investment homes. Loans are subject to credit approval. An early closure fee of $350 will apply if the loan is paid off and closed within the first two years. Lifetime cap is 6.000% above current fully indexed rate. Please consult a tax advisor regarding deductibility of interest. Payments based on 1% of the outstanding balance.