Rates and terms are accurate as of October 25, 2016 and are subject to change. The rates listed above are our best rates. Your rate may be higher depending on underwriting criteria. Home equity loans and lines of credit have a maximum variable APR of 18%. Fees may apply if closed within 24 months. One-Time Close Construction long-term loan is a 30-Year 5/1 Adjustable Rate Mortgage (ARM). Stated rate is as low as 2.875%, Annual Percentage Rate (APR) 3.169%. Rate example based on loan amount of $330K, 680+ FICO, and 80% Loan-to-value. Rate for construction period of loan is 3.75% Variable. As of 04/01/2016 WSJ Prime Rate is 3.5%. Annual Percentage Rates (APRs) for 12, 15 and 20 year mortgages are calculated based on a $100,000 loan with a 0.50% origination fee. As of January 1, 2016, Prime Rate is 3.50% APR. Lot loan APR is based on a loan of $200,000 with a principal and interest monthly payment example of $1,198. Lot loan is for a 30-year term with a 3-year call. Annual Percentage Rate (APR) for 5/1 Adjustable Rate Mortgage (ARM) based on loan amount of $200,000 with 30-year term is $830 principal and interest. 90% Home Equity Loan maximum loan amount is equal to 90% LTV or $250,000, whichever is less. Cap is $250,000.