As Low As  5.00% APR*

Prime minus 1.00%

Minimum Line of Credit $10,000

No Application fee

No Appraisal fee

No Title Search fee

*APR= Annual Percentage Rate. Your rate will be determined by your credit score and loan to value. Maximum loan to value is 90%. Rate is based on the Prime Rate as published in the Wall Street Journal on the last business day of the previous billing cycle.  As of 01/31/2008, Prime Rate was 6.00%. The rate may vary monthly with changes to The Wall Street Journal Prime Rate, but will never exceed a maximum APR of 18.00%.  Title insurance may be required. Homeowners insurance is required.  The annual fee of $25.00 is waived for the first year. Consult a tax advisor regarding the deductibility of interest. Rates subject to change without notice. Other rates and terms available. Payment method example:  $10,000 X .0500/365 X 31 days= Monthly Payment.