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Home Equity Loans and Lines of Credit
Rates Effective: Saturday, November 07, 2009
Last Updated: Friday, November 06, 2009
Rates, programs, and indices are subject to change without notice.
Use our Personal Loan Calculator to
determine your payments.
Apply for a Home Equity Loan or Line of Credit today!
Loan Type |
Rate |
Repay Period (years) |
APR |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|
Fixed Rate |
6.250% |
15 |
6.25% |
$8.57 |
Estimate Payment
|
Fixed Rate |
5.750% |
10 |
5.75% |
$10.98 |
Estimate Payment
|
Fixed Rate |
5.000% |
5 |
5.00% |
$18.87 |
Estimate Payment
|
Use our Personal Loan Calculator to determine your monthly payments.
Apply for a Home Equity Loan today!
Loan Type |
Rate |
Repay Period |
APR |
CLTV |
Monthly Payment per $1000 Borrowed |
|
|---|---|---|---|---|---|---|
Monthly Adjustable |
4.000% |
15 years with an 8 year draw |
4.00% |
</=80% |
$8.84 |
Estimate Payment
|
Monthly Adjustable |
4.000% |
15 years with an 8 year draw |
4.00% |
>80% |
$8.84 |
Estimate Payment
|
HELOC's monthly adjustable rate tied to Wall Street Journal Prime Rate minus .50% for </= 80% Combined Loan to Value (CLTV) and minus .25% for >80% CLTV with 18% APR maximum, 4% APR floor. Rates are subject to change without notice. The term noted is used solely to determine periodic payments. This is an open-end loan agreement.
Use our Personal Loan Calculator to determine your monthly payments.
Apply for a Home Equity Line of Credit today!
Additional Information
All residential property must be located in Vermont or New Hampshire. Variable rates valid as of Effective Date listed near top of page. Minimum line of credit is $5,000. Maximum loan or line of credit is $150,000 with property tax assessment when borrowing over 50% of the value of the home, and $200,000 with property tax assessment when borrowing 50% or less of the value of the home. The maximum loan or line of credit is $200,000 with appraisal. Other charges may be imposed, including a property appraisal fee of $400; a title update fee of $100-$300; and a late fee of 5% of the payment may be charged for payment more than 30 days late.
Your combined loan to value is your combined mortgage balances, including the entire credit limit of your new Home Equity Line of Credit, divided by the value of your home. If prime minus .25%, combined maximum loan to value is 90% of the value of the home. If prime minus .50%, combined maximum loan to value is 80% of the value of the home.
Index |
Rate |
|---|---|
1 yr. US Treasury |
0.39% |
3 yr. US Treasury |
1.51% |
Prime |
3.25% |
