Home Equity Loan or Line—no appraisal or closing costs
Need cash for home improvements or another important use? There’s never been a better time! We are covering the appraisal fee and closing costs when you open a Home Equity Loan or Line with us.
Home Equity Loan
Term: 15 years | Rate: 6.50% / 6.51%APR
Home Equity Line of Credit
Term: 7-year draw; 22-year repay | Variable Rate: 4.00% APR
Call us today at 800-440-8662.
 Appraisal fee and closing costs are waived with a minimum draw amount of $20,000. Loan or credit line must be open for a minimum of 3 years. Loan or credit line closed prior to 3 years of the open date is subject to reimbursement of all original waived fees and will be added to the payoff balance.
 APR – Annual Percentage Rate.
 Variable Rate: Variable adjusts every January 1st and July 1st. Index is the 1 Year-Treasury Bill plus a 1.75% margin rounded up to the nearest quarter percent. Maximum change per change date is 1.00%. Maximum cap is 9.75% APR. Payments are amortized over 22 years or $100, whichever is greater. Rates and terms effective 03/01/2018. 80% of appraised value less balance of First Mortgage. All rates apply to owner-occupied, single family dwellings located in the state of California. The APR is based on a loan amount of $100,000. Loan approval subject to credit, income and property appraisal. Rate is not locked until final loan approval. All terms and conditions are subject to change without notice. Call representative for additional details at 800-440-8662.