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1) Home Equity Lines of Credit (HELOC’s) are available for primary residences located in Nebraska or Pottawattamie County in Iowa. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Applicants will be responsible for cost of appraisal, if required. The closing costs depend on the location of the property and the amount of the equity line. For Loan lines up to $100,000, closings costs typically range between $225 and $1,000. Payments based on 1.50% of outstanding balance at the end of statement cycle or $25 whichever is greater. Minimum payment may not repay principal which will result in a balloon payment at the end of the repay period. Credit Limit is dependent on the value of the subject property. Property insurance is required. Interest is charged from the date of the loan advance and is calculated based on the balance owed each day. Consult your tax advisor for deductibility of interest. No annual fee. Offer valid only for applications received from 4/1/2018 and closed by 6/30/2018.
2) Premier HELOC’s are variable-rate products and the APR or payment may change. The APR is based on the Wall Street Journal Prime. The APR is subject to change semi-annually on January 1 and July 1. The APR for 80% CLTV is Prime rate +0%. The minimum rate is 4.50%, unless discounted for the first 12 months. The maximum APR that can apply is 9.50%. At the end of the 120 month draw period, loan enters a repayment period up to 120 months. Rates as of 4/1/2018.
3) The APR is a fixed rate (range 4.49% to 9.50%) depending on CLTV and credit score. At the end of the 60 month draw period, loan enters a repayment period up to 84 months.