CURRENT PROMO RATE OF 6.99% for First 3 Years

• Ideal for home improvement
• Up to 80% of value
• Seven year draw period
• First or second lien position
• Owner occupied only
• Minimum payment $250 or interest, whichever is greater
• After draw period, eligible to amortize repayment over a 10 year period
• Variable rate based on an index  - Wall Street Journal (WSJ) prime plus a margin O.A.C.
  • Current Index is 7.50%
  • Index subject to change at any time
• No annual fee
• No prepayment penalty
• No required draw when opened
• Reprices once per year
• Maximum repricing annually is 2%
• Maximum lifetime rate is 10.50%
• Minimum draw $100
• Accessible online

• Up to 15 year repayment 
• Up to 90% of Value
• Fixed rate for the life of the loan
• No prepayment penalty
• Owner occupied Primary/Vacation/Second homes-1st Lien *no investment properties*
• Accessible online
• Rates 4.99% - 10.49% OAC
• First lien position might requrie escrows
• Second lien up to $300,000
  • Owner occupied ONLY
• Purpose can be for purchase or home equity

• Bridge Loan
• Up to 90% of Value
• Owner occupied only!
• Amortized up to 30 years
• Balance due in up to 15 years
• Fixed rate
• No prepayment penalty
• First lien position only
• Escrows required
• Accessible online
• Rate's 4.99% - 8.99% OAC