Home Equity Special

*APR = Annual Percentage Rate. Intro rate shown of 3.49% is for homeowners up to 80% combined loan-to-value (CLTV), 3.99% is for homeowners up to 90% combined loan-to-value (CLTV). APR will be fixed during the 12-month introductory period. After the first twelve (12) months of the loan term, the introductory APR will revert to a variable APR based on the Prime Rate as published in The Wall Street Journal. Minimum Annual Percentage Rate (APR) Floor of 4.00%. Maximum APR is 12.00%. Your post-promotional rate will be disclosed to you prior to signing for your line of credit. On a $10,000 home equity line of credit balance at 3.49% APR, monthly payments would be $100, 1% of the outstanding balance. At 3.99% APR, monthly payments would be $100, 1% of the outstanding balance. An increase in the Index will result in an increase in the periodic rate. APR is variable, subject to change monthly and based on the Prime Rate as published in the Wall Street Journal. Required payments are calculated at 1% of the outstanding balance. Maximum loan amount is $450,000 with a 10-year draw period and up to 15-year repayment period. Properties must be owner-occupied. Not eligible for multi-family properties. Subject to qualification. Eligible for homes in Minnesota and Wisconsin only. Borrowers may request to convert up to three fixed-rate segments at any given time; rates for fixed rate loan segments are determined at the time of the request. A $250.00 processing fee applies for each fixed-rate segment established. Consumer should consult a tax advisor regarding the deductibility of interest and charges. Closing costs are capped at $800.00 on home equity applications taken between 04/01/2026 and 07/31/2026 and must close by 08/31/2026. This special discount is not transferable. Ideal RenoFi loans are included with an introductory rate of 4.99% for the first twelve (12) months of the loan, but with no closing cost discount.