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What can your home’s equity provide for you?

HELOC flyer no mouse print*As of 3/16/2017, Annual Percentage Rate (APR) is the highest Prime Rate (index) published in the “Monthly Rates” section of the Wall Street Journal on a monthly basis, but APR cannot decrease below floor rate of 3.00%.  (As of 3/16/17 the Prime Rate is 4.00%.)  After 12 month introductory fixed rate, rate adjusts based on Prime Rate plus a margin ranging from -0.25% to .50% depending on credit score.  Maximum 18% APR.  This Home Equity Line of Credit is available for primary residence only. First Savings Bank primary checking account with direct deposit required.  Minimum loan amount of $15,000.  Maximum loan amount $250,000.  Total loan-to-value ratio may not exceed 80%. Minimum credit score of 670. Closing cost may apply if title insurance is required or for loans that require an appraisal.  Offer eligible for new loans; existing HELOC with a renewal date of May 31, 2018 or sooner; or an existing HELOC that the contract amount increases by at least 25%.  This loan is not available for the purchase of primary residence.  Standard Rates & Fees apply for credit scores under 670. Property insurance is required, and if applicable, flood insurance will be required.  Minimum monthly payments equal to 1% of unpaid balance or $50 whichever is greater. Paying only the minimum payment may not be sufficient to repay principal and interest and may result in a balloon payment. Consult your tax advisor regarding deductibility of interest. Subject to credit approval. Other restrictions may apply. Offer expires August 31, 2017.

 

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