NO FEE, FIXED RATE HOME EQUITY LOANS
NO FEES – LOW RATES
4.14%* APR for up to 5 Year Home Equity Loans (36 to 60 months)
4.57%* APR for 6 to 10 Year Home Equity Loans (61 to 120 months)
4.92%* APR for 15 Year Home Equity Loans (121 to 180 months)
*APRs (Annual Percentage Rates) are accurate as of the date of February 1, 2012 and subject to change. Rate is fixed for the term indicated on 1st or 2nd lien position mortgages for qualified borrowers. Monthly payments of $18.48 per $1,000 borrowed at 4.14% for 60 months, $10.40 per $1,000 borrowed at 4.57% for 120 months or $7.87 per $1,000 borrowed at 4.92% for 180 months. Payments are to be automatically made from an HNB checking or savings account. Rate and APR is 1% higher for non-AFT (ACH or Coupon Book) payments. Fee of $160 plus the cost of appraisal and recording is waived for this offer. Title Insurance (at borrower’s expense) is required on loans over $150,000. For NY State borrowers, the customer’s portion of NY State Mortgage Tax is at the borrower’s expense. Loans are for qualified borrowers. Maximum Loan Amount is $417,000. Other rates, APRs and terms are also available.
PREMIUM NO FEE FIXED RATE
HOME EQUITY LOANS
NO FEES – LOW RATES
4.37%* APR for 10 Year Home Equity Loans (Up to 120 Months)
4.52%* APR for 15 Year Home Equity Loans (121 to 180 months)
5.21%* APR for 20 Year Home Equity Loans (181 to 240 months)
*APRs (Annual Percentage Rates) are accurate as of the date of February 1, 2012 and subject to change. Rate is fixed for the term indicated on 1st lien position mortgages for qualified borrowers with credit scores of 690 or higher. Monthly payments of $10.30 per $1,000 borrowed at 4.37% for 120 months, $7.66 per $1,000 borrowed at 4.52% for 180 months or $6.72 per $1,000 borrowed at 5.21% for 240 months. Payments are to be automatically made from an HNB checking or savings account. Rate and APR is 1% higher for non-AFT (ACH or Coupon Book) payments. Fee of $160 plus the cost of appraisal and recording is waived for this offer. Title Insurance (at borrower’s expense) is required on loans over $150,000. For NY State borrowers, the customer’s portion of NY State Mortgage Tax is at the borrower’s expense. Loans are for qualified borrowers. Maximum Loan Amount is $417,000. Other rates, APRs and terms are also available.
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