Line of Credit
Need money for a new car? Home Improvements? To pay off higher interest rate credit cards? Vacation? Any of these can be a reality with a Home Equity Line of Credit (HELOC). With great rates, cash after closing and generous loan limits that allow you to borrow up to the full value of your home, you can't lose.

- Second homes
- Investments
- Cash Out Refinance
- No Income Verification Loans

Cash and Convenience!
Great Rates, No Points
We offer one of the most competitive Home Equity programs around. Compare for yourself and you will see that you can't beat our low rates and fees, and ease of securing a HELOC with a new first mortgage.
No Closing Costs
We waive all closing costs, and the HELOC closes simultaneously with your new first mortgage.
Convenient Access
Every HELOC comes with a checkbook so you can access your cash quickly and easily. We also offer 24-hour access to our "Best of the Best", award-winning Customer Contact Center and anywhere, anytime, online access.

Self-Employed? Leverage Our No Income Verifier HELOC.
We're added the popular No Income Verifier option, so even self-employed borrowers can take advantage of the many benefits this product offers!

How you benefit:
- No Income Verification Documentation.
- The liberty of interest-only payments.
- The ability to borrow, repay, and re-borrow at any time.
- No points or application fees - the application occurs at the same time as the first mortgage.
- One stop shopping for both loans.
- Low rates.

Contact me today for more information about how you can maximize your home equity!

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Disclosure Notice:
The APR is based on Wall Street Journal Prime, plus a margin of either 0%, .5%, 1%, 1.5%, or 3% determined by the borrower's loan amount and credit score. As of 12/15/04 the APR for Prime plus 0% is 5.25%, the APR plus Prime plus 0.5% is 5.30%, the APR for Prime plus 1% is 6.25%, the APR for Prime plus 1.5% is 6.75% and the APR for Prime plus 3% is 8.25%. Your Annual Percentage Rate may vary and cannot exceed 18%. Your minimum payment will be the greater of $50 or the amount of accrued finance charges as of the last day of the billing cycle. If you make no principal payments, you may have to refinance your line or have a balloon payment at the end of your loan term. There is a fee of $350 if your line is closed in the first 3 years. There is a Non-Use fee of $450 charged if the average outstanding loan balance is less than $5000 the first year of the Home Equity Account. Homeowners insurance will be required. Flood insurance may also be required. The minimum line amount in connection with this offer is $10,000. There is an annual fee of $50. Application is subject to normal credit standards for approval and subject to satisfactory appraisal and title report. Consult your tax advisor about the deductibility of interest for tax purposes. We reserve the right to withdraw this offer at any time.