Lending rates

Annual Percentage Rate (APR) applies to 1–4 family, owner-occupied primary residences and second or vacation homes, up to a maximum loan-to-value (LTV) of 90%. Rates and terms are subject to change prior to closing. If the loan amount is $15,000 or more, we pay standard third-party closing costs (excluding any state or local mortgage recording taxes where applicable). If the loan is closed within the first 24 months, the borrower must reimburse us for third-party fees we paid for title search, credit report, flood certificate, valuation, recording, and closing; this is not a prepayment penalty. If the loan amount is less than $15,000, the borrower will pay closing costs ranging from approximately $30 to $4,000. Property insurance is required; flood insurance may be required. Consult a tax advisor regarding the deductibility of interest and charges. Subject to credit approval.

Annual Percentage Rate (APR) for 1-4 family, owner occupied primary residence and second/vacation homes with max loan-to-value 90%. Rate subject to change at any time. The APR is variable-rate and may increase after consummation. The maximum APR that may apply is 18%. No closing costs if the loan is for $15,000 or more; excluding mortgage taxes if applicable. However, if the line is closed within the first 24 months, fees for title search, credit report, flood certificate, valuation, recording and closing will be repaid by the borrower. If line is less than $15,000, the borrowers will pay closing costs ranging from $30 to $4,000. Property insurance is required. Please consult a tax advisor regarding the deductibility of interest and charges. Subject to credit approval.