*APR=Annual Percentage Rate. Interest on the portion of the credit extension greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes and borrowers should consult a tax advisor for further information regarding the deductibility of interest and charges. Loan proceeds must be used for home improvements on a single family home, townhouse, or condominium. A Contractor’s estimate or comparable quote is required before funding. Borrowers on the loan must have an ownership interest in the property and occupy it as their primary residence. Rates good as of 6/26/2023.
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1First Financial may waive the closing costs on certain products. If the credit union pays your closing costs and the loan is paid off within 24 months of the original note date, closing costs must be reimbursed to First Financial by the borrower. Closing costs typically range between $100 and $3,100 for loan amounts up to $250,000. Purchase transactions not eligible.
2Rates quoted are based on 20% equity in your home. Financing available up to 100% of the value of your home, subject to additional pricing, terms, and conditions
Maximum Annual Percentage Rate (APR) is 18%.
ANNUAL PERCENTAGE RATE calculated on loan amount of $250,000.
Payment Factor quoted does not include amounts for property taxes and insurance. Your payment amount may be greater.
Adjustable Rate Mortgage index is WSJPrimeWkly.
After the introductory rate on Home Equity Lines of Credit, your monthly APR will be a fully indexed rate based on Prime plus or minus a margin and based on your credit line amount, Loan to Value and other factors. The Prime Rate is obtained from the Wall Street Journal.
The application of additional loan level pricing adjustments will be determined by various loan attributes to include but not limited to the loan-to-value (LTV) ratio, credit score, transaction type, property type, product type, occupancy, and subordinate financing.
