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Home Improvement Loan

Effective Date: January 4, 2019

Term

First Lien Rate

First Lien Annual Percentage Rate*

First Lien Payment
per $1,000

 

5 Years

5.500%

5.500%

$19.10

How to Apply

10 Years

5.500%

5.500%

$10.85

How to Apply

15 Years

5.500%

5.500%

$8.17

How to Apply

Term

Second Lien Rate

Second Lien Annual Percentage Rate*

Second Lien Payment
per $1,000

 

5 Years

7.500%

7.500%

$20.04

How to Apply

10 Years

7.500%

7.500%

$11.87

How to Apply

15 Years

7.500%

7.500%

$9.27

How to Apply

*APR based on $10,000 Loan Amount

First Liens: If the Bank takes a first lien, payments will not include taxes and insurance, and your actual payment obligation will be greater. If the LTV exceeds 100%, the interest on the portion of the credit extension that is greater that the fair market value of the dwelling is not tax deductible for federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.