Rates

Mortgage Rates, HELOC Rates, & More

Affordable financing for every stage of your homeownership journey

Home Equity Line of Credit (HELOC) Rates

Rates as of 07/12/2025

State	FICO Score	Maximum LTV^1,2	Note Rate³	APR (Variable)⁴
Variable Rate	680-850 FICO	80%	9.000%	9.000%
Variable Rate	680-850 FICO	70%	8.500%	8.500%
Variable Rate	640-679 FICO	70%	9.500%	9.500%

Rates as of 07/12/2025

Type	Term	Maximum LTV¹	Note Rate³	APR⁴
Fixed Rate	1-240 Months	75%	9.500%	9.585%

Rates as of 07/12/2025

Type	Term	Maximum LTV¹	Note Rate³	APR⁴
Fixed Rate	1-60 Months	70%	8.250%	9.383%
Fixed rate	61-180 Months	70%	8.500%	8.795%

Rates as of 07/12/2025

Type	Term	Maximum LTV¹	Note Rate³	APR ⁴
Fixed Rate	1-60 Months	70%	7.000%	7.540%
Fixed Rate	61-180 Months	70%	7.250%	7.348%

Rates as of 07/12/2025

State	Term	Maximum LTV¹	Note Rate3	APR⁴
Fixed Rates	1-60 Months	80%	7.125%	7.450%
Fixed Rates	61-240 Months	80%	7.500%	7.529%

Rates as of 07/12/2025

State	Term	Maximum LTV¹	Note Rate³	APR⁴
Fixed Rate	1-60 Months	80%	9.125%	9.431%
Fixed Rate	61-240 Months	80%	9.500%	9.513%

Rates as of 07/12/2025

Type	Term	Maximum LTV¹	Note Rate³	APR⁴
Fixed Rate	1-60 Months	75%	8.250%	9.383%
Fixed Rate	61-180 Months	75%	8.500%	8.795%

Loan-to-value (LTV) is the ratio of all loans against a property to the purchase price or value of the property. For example - first lien + second lien / appraised value = LTV, or loan amount / purchase price of property = LTV.
Interest rate is dependent upon the credit qualifications of the borrower(s).
The annual percentage rate (APR) reflects not only the interest rate but also the fees you have to pay to get the loan. For that reason, the APR is usually higher than the interest rate on fixed rate transactions. Home Loan Payment Example (minimum 20-30% down payment required on purchase transactions):

A recreational property loan of $100,000 for 15 years at a 8.435% note rate (8.490% APR) will have a monthly payment of $980.94.