Low 12 Month Intro Rate for your Existing HELOC 3.99% APR $149 Conversion Fee 12 Month Intro Rate

  Modify Your Existing HELOC Apply for a New HELOC
Best For If you want an easy and quick way to take advantage of the lower rate on your existing HELOC without changing your credit line or term.  If you have an interest in a brand new line of credit to increase your credit line or to start with a new promotional rate term. 
Your Line of Credit Limit Will not change. Your credit limit will be determined through the underwriting process.  
Loan to Value Limit Existing Combined Loan to Value (CLTV) must be 85% or less.  Will need to be at 85% CLTV or lower to take advantage of the promotional rate. 
Promotional Rate Term Your promotional rate is a 12 month term.  Your term will begin with 12 months of the promotional rate. 
Fee  $149 flat fee. No fee. 
Credit Inquiry  A new credit inquiry will not be needed.  Will require a new credit inquiry which may have an impact on your credit score. 
Appraisal Does not require a new appraisal to be performed.  May require an appraisal based upon your property attributes.
Time Frame  It's easy, quick, and can be completed in as little as one week.  May require some additional documentation to validate current income and other items. May take up to 3-4 weeks to close on the new line. 
To be Eligible  Remaining draw period must be less than or equal to 48 months. N/A
Choose your Option Modify Existing HELOC  Apply for a HELOC 


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