Personal---Landing-Page-Ad---Home-Equity

Planning a project, a vacation or child’s education? A Home Equity Loan or Line of Credit from Home Savings is a low-cost way to borrow. Our lending professionals will work with you to find the solution that works best for you.

Home Equity Loan

Home Equity Loan

  • The full loan amount all at once – a good choice for one-time purchases or to consolidate debt into consistent monthly payments
  • Fixed and adjustable rate options
  • Your choice of available terms
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Home Equity Line of Credit

Home Equity Line of Credit

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  • A line of credit you can use as you need it
  • Easy access to funds through use of checks or a special Visa® card2
  • Interest only monthly payments
  • Adjustable rate options
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Additional Questions?
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1 APR=Annual Percentage Rate effective August 6, 2018, and may change based on market conditions and borrower eligibility. The APR will be a variable rate based on Wall Street Journal Prime Rate minus .26 (5.00% - .26% = 4.74%, current as of August 6, 2018) with a minimum APR of 4.74% and a maximum APR of 18.00%. APR may adjust monthly based on the Prime Rate as published in The Wall Street Journal. Minimum FICO score of 700 to qualify. Your rate may also be different depending on credit history, lien position and LTV ratio. Offer not valid for refinancing existing Home Savings loans. Offer is based upon loans from $20,000 up to $300,000, a loan to value less than 90% on a first-lien and 85% on a second lien owner-occupied primary residence and cannot be a purchase money mortgage. In order to receive the offered rate, a minimum draw of $20,000 is required. An Annual Fee of $50 is waived for the first year. Taxes and property insurance are always required and flood insurance is required where necessary. Estimated loan fees and costs imposed for opening this plan will be $68, which consists of a $68 recording fees for the 1st 10 pages. (we estimate 10 pages for recording, additional pages are $8 each). There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 10 year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period. Other rates and terms are available. Subject to credit approval. Interest rates and terms are subject to change without notice. Offer expires September 30, 2018.
2Home Savings Visa® debit cards are issued and administered by Elan Financial Services.
All credit services are subject to credit approval. Home Savings Bank NMLS #494727.

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