Rates accurate as of February 13, 2020
HELP Type Annual Percentage Rate (APR) Amortized Term Loan Fee
5.250% Fixed (90% LTV)
5.250% Fixed (90% LTV) 5.523% 10 Years $0
4.750% Fixed (80% LTV)
4.750% Fixed (80% LTV) 5.016% 10 Years $0
6.000% Fixed (90% LTV)
6.000% Fixed (90% LTV) 6.201% 15 Years $0
5.500% Fixed (80% LTV)
5.500% Fixed (80% LTV) 5.695% 15 Years $0
7.000% Fixed (90% LTV)
7.000% Fixed (90% LTV) 7.147% 25 Years $0
6.500% Fixed (80% LTV)
6.500% Fixed (80% LTV) 6.641% 25 Years $0
Green Choice Retrofit: 5.000% (90% LTV)
Green Choice Retrofit: 5.000% (90% LTV) 5.270% 10 Years $0
Green Choice Retrofit: 4.500% (80% LTV)
Green Choice Retrofit: 4.500% (80% LTV) 4.762% 10 Years $0
5.250% ARM (90% LTV)*
5.250% ARM (90% LTV)* 5.344% 25 Years $0
4.750% ARM (80% LTV)*
4.750% ARM (80% LTV)* 4.840% 25 Years $0

Product for owner-occupied purchases & refinances.

FIXED-RATE HELP PAYMENT CALCULATIONS
Calculations based on $100,000.00 loan. Payment calculations are principal and interest.

  • 25-Year HELP Loan (90% LTV): Interest rate 7.000%, Annual Percentage Rate (APR) 7.147%, 300 monthly payments of $706.78 each, total interest paid $112,033.08
  • 25-Year HELP Loan (80% LTV): Interest rate 6.500%, Annual Percentage Rate (APR) 6.641%, 300 monthly payments of $675.21 each, total interest paid $102,561.06
  • 15-Year HELP Loan (90% LTV): Interest rate 6.000%, Annual Percentage Rate (APR) 6.201%, 180 monthly payments of $843.86 each, total interest paid $51,893.80
  • 15-Year HELP Loan (80% LTV): Interest rate 5.500%, Annual Percentage Rate (APR) 5.695%, 180 monthly payments of $817.08 each, total interest paid $47,075.43
  • 10-Year HELP Loan (90% LTV): Interest rate 5.250%, Annual Percentage Rate (APR) 5.523%, 120 monthly payments of $1,072.92 each, total interest paid $28,749.92
  • 10-Year HELP Loan (80% LTV): Interest rate 4.750%, Annual Percentage Rate (APR) 5.016%, 120 monthly payments of $1,048.48 each, total interest paid $25,817.19
  • 10-Year Green Choice Retrofit HELP Loan (90% LTV): Interest rate 5.000%, Annual Percentage Rate (APR) 5.270%, 120 monthly payments of $1,060.66 each, total interest paid $27,278.47
  • 10-Year Green Choice Retrofit HELP Loan (80% LTV): Interest rate 4.500%, Annual Percentage Rate (APR) 4.762%, 120 monthly payments of $1,036.38 each, total interest paid $24,366.21

*The HELP ARM Index is based on the Federal Home Loan Bank (FHLB) 11th District Cost of Funds (COF). Rates may go up for closed-end variable rate home equity loans.

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