Home Equity Line of Credit

80% Loan to Value HELOC

• $10,000 to $200,000 loan amounts
• Renewable draw period
• 15 year amortization
• Quarterly adjustments not monthly
• Less volatile index - Weekly average yield on US Treasury securities adjusted to a constant maturity of one year.
• 1% cap per quarterly adjustment
• 2.5% Margin
• Valuation can be based on most recent tax assessment

• $10,000 to $200,000 loan amounts
• Renewable draw period
• 15 year amortization
• Quarterly adjustments not monthly
• Less volatile index - Weekly average yield on US Treasury securities adjusted to a constant maturity of one year.
• 1% cap per quarterly adjustment
• 3.5% Margin
• Valuation can be based on most recent tax assessment

• Certain Lender's fees waived*
• No annual or termination fees+
• Owner occupied properties in the state of Hawaii
• Interest paid may be deductible. Please consult with your tax advisor for details.

Please visit our Mortgage Center

*Estimated closing costs will be between $300 to $1,000. Lender's closing costs will be waived with an initial draw of $20,000 or more and a subsequent balance outstanding for at least 90 days, (Unless Other Costs apply, see below). Lender's costs may include title insurance fees up to $150. Title fees may be higher depending on the amount of line requested. Attorney's fee for documentation $115, Flood Tracking $19, Property Inspection $69, Recording fee ($25 per transaction).

+HELOC must remain open for at least 1 year otherwise the waived lender's closing costs must be reimbursed.

OTHER COSTS: If necessary, fees for an appraisal are estimated between $300 - $1,000 and trust reviews between $150 to $750.

Homeowner's and hurricane insurance providing required coverage are required; flood insurance is required if the property secured is located in a mandatory flood zone.