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HELOC
In total, the loan is set for a 20-year term – the first 5 years is the draw period and the remaining 15 years is based on a fully amortized loan.

The interest rate for the loan will be variable, and based on the current Fed Prime Rate, unless during any applicable promotional periods.

For the draw period, the payment is based on the balance from the previous month. The number of days per month is counted and the payment is interest only. Shorter and longer months, as well as different balances will change the payment. For payment calculations during the payback period, the loan will convert to a 15-year, principle and interest payment.

Home Equity
Your monthly mortgage payment contains principal and interest, as well as other expenses such as property taxes and hazard insurance, if applicable. The amount of the monthly payment depends on the loan amount, the interest rate, and the term (or length of the loan in years).

Home Improvement
Your monthly mortgage payment consists of principal and interest. The amount of the monthly payment depends on the loan amount, the interest rate, and the term (or length of the loan in years).

Though your contract work may not be completed before your first payment is due, your loan payment will be factored on the entire balance. The dollar amount of the draws distributed to the contractor will not affect the due date, nor the payment amount. Ex: Total loan amount borrowed is $100,000. The first draw is $40,000. The payment monthly is calculated based on the $100,000 loan amount regardless of the total draw amount.

 

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