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Home Equity Loans

A home equity loan from Heartland is the smart way to borrow.

Got a home equity loan somewhere else — even at (gasp) a bank? Go Local and bring it to Heartland.

Home Equity Line-of-Credit HELOC

Interest Rate	Rates as low as 1.99% APR* for the first six months
Term	Revolving line of credit
Draw Period/Balloon Period	5 year draw period; followed by repayment period
Fees	Low closing costs**
Payment	Interest only or $50 minimum, whichever is greater

Second Mortgage Fixed

Interest Rate	5 year fixed rate as low as 3.99% APR
Term	Up to 10 years
Fees	Low closing costs**
Payment	Based on the rate & repayment option

*APR is Annual Percentage Rate. After the introductory period the rate will revert to the Prime Rate as published in the Wall Street Journal plus or minus a margin, or the floor rate of 3.99%, whichever is higher. Your actual rate will be based upon your creditworthiness and loan-to value (LTV). Prime rate as of October 31, 2019 is 4.75%. Maximum LTV is 100%. Property insurance required. Existing Home Equity Lines of Credit are not eligible for the introductory rate. No or low closing costs for new HELOC only. Appraisal fee and title insurance, if required, is an additional charge.

** Closing cost fees range from $63.00 to $500.00. Fees that may apply: appraisal or property valuation, title report, flood determination, tax servicing and filing fees.

Interest Rates Certified by Datatrac

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