Home Equity Loans & Credit  
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Happiness Is a Home Equity Loan

Variable Rate Home Equity Loans
Maximum Loan-to-Value of 85% - Minimum Line of Credit of $10,000
$10,000 - $49,999.99 at a VARIABLE RATE of 4.75%
$50,000.00 and greater at a VARIABLE RATE of 4.50%
Fixed Rate Home Equity Loans - Minimum Amt $10,000
Fixed Rate
Term
80% Loan/Value Rate (APR) 85% Loan/Value
Rate (APR)
60 Months 4.50% 5.25%
120 Months 5.00% 5.75%
180 Months 5.50% Minimum $30,000 6.00% Minimum $30,000

**Any Home Equity loan over $100,000.00 can only be financed up to 80% Loan/Value
** Maximum Home Equity loan amount is $125,000.00

Rates are effective as of 7/1/2008 and are subject to change at any time


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