Home Equity Loans


			Information below is effective May 9, 2013. Rates and terms are subject to change at any time.

		Easy Mortgage Loan


	Owner occupied/refinance/ 1st lien position Maximum total Loan to Value (LTV) 65% Mortgage recording fee paid by loan applicant Consult with your tax advisor regarding deductibility of interest. Property insurance shall be required. Subject to credit approval.

Rate	APR	Term	Maximum
3.15%	3.15%	5-year fixed term	$150,000
3.40%	3.40%	10-year fixed term	$150,000
3.75%	3.75%	15-year fixed term	$150,000


		Home Equity Loans (HEL)


	Owner occupied/refinance Maximum total Loan to value (LTV) 80% Mortgage recording fee paid by loan applicant Consult with your tax advisor regarding deductibility of interest. Property insurance shall be required. Subject to credit approval.

Rate	APR	Term	Minimum
3.64%	3.64%	5-year fixed term	$5,000
3.90%	3.90%	10-year fixed term	$10,000
4.15%	4.15%	15-year fixed term	$10,000


		Home Equity Lines of Credit (HELOC)


	Owner Occupied/refinance Maximum total Loan to Value (LTV) 80% Mortgage recording fee paid by loan applicant. Consult with your tax advisor regarding deductibility of interest. Property insurance shall be required. Monthly payments are based upon a 15 year amortization. Subject to credit approval.


		The maximum annual percentage rate than can apply during the line of credit is 18.000 percent.

			Home Equity Lines of Credit (HELOC)


	Indexed to Wall Street Journal Prime plus 1.50% variable; currently 4.75% APR.


		Premier HELOC



			$100,000.00 Minimum Primary or Secondary homes Indexed to Wall Street Journal Prime variable; currently 3.25% APR.