LET'S ADDRESS THE

ELEPHANT IN THE ROOM.

Variable rate based on WSJ Prime after 6 month period

   *APR = Annual Percentage Rate. All extensions of credit are subject to credit approval. Rates shown are the lowest offered for product advertised. Applicants not approved for these rates or terms may be offered credit at a higher rate and/or different term. This is a limited offer and may be withdrawn at any time. All rates subject to change. There are certain draw down, balance requirements and loan-to-value restrictions which may apply. Minimum loan amount and new money requirement of $25,000 required to qualify for these rates and terms. May not be combined with any other offer. Home Equity Lines of Credit closed out prior to their four-year anniversary will be subject to the addition of all waived closing costs to the loan balance. Appraisals required for all LTVs. Full appraisals required for 80% LTV or higher. All appraisal costs are paid by the borrower and will be reimbursed when the loan is funded. Maximum rate is 18% APR. After 6 months of the fixed promotional rate, the APR will be a variable rate that may change monthly, based on the Prime Rate index published at the time in the Wall Street Journal minus a margin of .50% and subject to a 3.00% floor rate (Prime Rate as of 12/19/24 is 7.50%). For variable-rate loans, the rate may increase after consummation. The margin is based on credit worthiness and will vary.

 This HELOC loan offer begins March 31, 2025 and ends August 31, 2025.

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