APR as of January 06, 2009
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| Loan To Value | Index | Margin | Current Home Equity APR* |
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| Up to 75% | Prime Rate | -0.25% to 1.50% | 3.000% to 4.750% | | 75.01% to 80% | Prime Rate | -0.25% to 1.50% | 3.000% to 4.750% | | 80.01% to 90% | Prime Rate | 0.50% to 1.50% | 3.750% to 4.750% | | 90.01% to 100% | Prime Rate | 1.50% to 3.50% | 4.750% to 6.750% |
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APR is variable and based on an increase or decrease in the Prime Rate (as published in the Federal Reserve Bank in Statistical Release H.15) 45 days prior to the adjustment date plus a margin, which is based on loan-to-value and borrower's credit score at time of origination.
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| Loan To Value | Rate ** | Current Home Equity APR* |
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| Up to 75% | 5.750% to 7.250% | 5.750% to 7.250% | | 75.01% to 80% | 5.750% to 7.250% | 5.750% to 7.250% | | 81.01% to 90% | 6.250% to 7.250% | 6.250% to 7.250% | | 90.01% to 100% | 7.250% to 9.250% | 7.250% to 9.250% |
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Rate is fixed for the term of the loan. Actual rate is based on the
loan-to-value and the borrower's credit score at the time of origination.
Home Equity Loans in TX available up to 80% LTV Maximum.
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| Loan To Value | Maximum Loan Amount |
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| Up to 75% | Up to $500,000 | | 75.01% to 80% | Up to $150,000 | | 80.01% to 90% | Up to $100,000 | | 90.01% to 100% | Up to $50,000 |
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Rates Subject to Change Without Notice. To lock-in a rate or to confirm current rates please contact a Real Estate Loan Officer at 888-334-5120.
Maximum loan amount is based on property value (Loan-to-value) and the borrower's credit criteria.
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