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Rates
Home Equity Installment Loan – 30 or 20 year
Effective as of 12/16/2025
| <=60% | 60.01-65% | 65.01-70% | 70.01-75% | 75.01-80% | 80.01-85% | |
|---|---|---|---|---|---|---|
| >=780 | 7.250% | 7.375% | 7.500% | 7.625% | 7.750% | 8.500% |
| 760-779 | 7.380% | 7.500% | 7.625% | 7.750% | 7.875% | 9.000% |
| 740-759 | 8.000% | 7.630% | 7.750% | 7.875% | 8.125% | 9.375% |
| 720-739 | 7.750% | 7.880% | 8.000% | 8.125% | 8.500% | 10.875% |
| 700-719 | 7.880% | 8.000% | 8.250% | 8.375% | 9.000% | 12.000% |
| 680-699 | 8.000% | 8.130% | 9.000% | 9.000% | 10.875% | n/a |
| 660-679 | 8.250% | 8.750% | 9.630% | 12.000% | n/a | n/a |
| Loan Level Price Adjustments: | ||||||
| Cash Out | n/a | n/a | n/a | 0.125% | 0.250% | 0.500% |
| DTI>43% | 0.125% | 0.250% | 0.250% | 0.375% | 0.625% | 1.000% |
| Self-Employed | 0.250% | 0.250% | 0.250% | 0.250% | 0.375% | 0.500% |
| Second Home | 0.750% | 1.000% | 1.000% | 1.000% | 1.125% | 1.750% |
| 2-4 Unit | 0.250% | 0.250% | 0.625% | 0.750% | 0.875% | 1.000% |
| Term | 30 or 20 year | |||||
| Max DTI | 45% | |||||
| Minimum Loan | $50,000 |