Home Equity Rates

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The following interest rates and fees are effective December 17, 2015 and are subject to change without notice.

Home Equity Loans

Fixed Loans (Second Mortgages)
Conforming Fixed Rate 2nd Trust Deed 

Max Combined Loan-To-Value* Origination Fee Rate APR Affecting Fees APR Terms
70% (up to $500,000) / 80% (up to $250,000) Waived** 6.00% to 7.25% $350 6.440% – 7.694% Up to 180 Mos
70% (up to $500,000) / 80% (up to $250,000) Waived** 6.25% to 7.50% $350 6.652% – 7.908% 181 to 240 Mos
90% (up to $100,000)
*only allowed with NuVision First Mortgage
Waived** 7.49% to 7.74% $350 7.935% – 8.186% Up to 180 Mos
100% Product not offered
at this time
Product not offered
at this time
N/A N/A N/A

*Calculations based on $50,000. Minimum loan amount $5,000.

**Application fee in addition to processing fees are waived unless loan is paid-off within 36 months of funding date.

A $50,000 loan for 180 mos at 6.440% APR will have a monthly payment of $429.00

A $50,000 loan for 240 mos at 6.652% APR will have a monthly payment of $373.00

Home Equity Line of Credit Rates

Home Equity Line of Credit

Max Combined Loan-To-Value* Origination Fee Rate Index Margin Terms
75% (up to $500,000) / 85% (up to $250,000) Waived*** 4.250% to 5.250% Prime 0.750% to 1.750% 20 Year Term; 10 Year Draw Period.
90% (up to $100,000) Product not offered
at this time
Product not offered
at this time
N/A N/A N/A
100% (up to $50,000) Product not offered
at this time
Product not offered
at this time
N/A N/A N/A

Minimum credit line $10,000. Maximum Combined loan-to-value 75% up to $500,000. Maximum Combined loan-to-value UP TO 85% loan amount up to $250,000. **Application fee in addition to processing fees are waived unless loan is paid-off within 36 months of funding date.

  

*Rate subject to change without notice. Offer reflects 80% CLTV and Level 1 credit. The interest rate is based on the Prime Rate as published in the Wall Street Journal on the first business day of the preceding month of the quarter. This is a variable rate account which includes a .25% discount for Automatic Payment. The Home Equity Line of Credit has a .50% periodic (quarterly) maximum change with 2% annual cap. Maximum APR is 5% over initial start rate not to exceed 18% APR.. Annual fee is $40.

**Please consult with your tax professional about possible tax benefits.

*** Third party fees ranging from $800 to $1750 will be waived if the loan is kept open for at least 36 months. All home equity loans are for primary residences in California and Arizona only. Funding is contingent on NuVision membership. Property insurance will be required.

Actual rate received is based on your credit performance.

All loans rates listed reflect a .25 discount for automatic payment transfer or ACH deposit

Verification of income required on all Levels and for All Applicants.

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