Home Equity Lines and Loans
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Home Equity Loans
Compare Home Equity Lines and Loans
| Home Equity Lines 1 | Home Equity Loans 1 |
|---|---|
| Term Options | |
| Up to 20 Years w/ 10 year draw period | A variety of loan terms |
| Minimum / Maximum Loan Amounts | |
| $10,000 Up to 80% Combined Loan to Value (CLTV) | $10,000 Up to 80% Combined Loan to Value (CLTV) |
| Access to Funds | |
| Ongoing access to available credit | Loan amount paid up-front in one lump sum |
| Possible Uses | |
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1. All loans are subject to credit approval
2. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Nothing herein is or should be interpreted as an offer or commitment to lend. Loans are subject to credit and property approval. Other conditions and restrictions may apply. Hazard insurance may be required. NLMS ID Number is 853793.
3. Home Equity Lines of Credit are only available in California on owner occupied and vacation or second homes. The minimum periodic payment for the Interest Only Equity Line of Credit is interest only for the first ten years. After the first ten years, credit advances will no longer be available and payments will be fully amortizing to repay the balance over ten years. Payments and rate can adjust monthly. There is no annual fee and no draw period restrictions. The index used is the Prime Rate as published in the Wall Street Journal Western Edition on the last business day of the month prior to the change, plus a margin up to 80% CLTV for owner-occupied properties. The current prime index is http://www.fedprimerate.com/ . Additional restrictions may apply.