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|Home Equity Line of Credit||Interest Rate||APR||Points|
|Home Equity Line of Credit||4.25%||4.25%||0.0|
Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. Home Equity Line of Credit: The Introductory Annual Percentage Rate (APR) of 0.99% is for new home equity line of credits only and is for the first 90 days. To receive the Introductory rate, a draw of at least $5,000 must be made within 30 days of account opening. After the introductory rate expires, balances will be charged at the variable APR based upon the Prime rate as published in The Wall Street Journal plus a margin. The APR will never be lower than 3.75% or higher than 18%. Rates vary depending upon credit history, combined loan-to-value (CLTV), and occupancy. The stated rate applies to lines secured by credit score of 740 or greater, CLTV 80% or less, and owner-occupied single-family residences (includes townhomes, row homes, condominiums, and co-ops). Elements Financial will pay most closing costs on new applications including settlement fees, flood determination fee, title search, title insurance, and notary fees. You may be required to pay other closing costs such as government fees and recording charges, taxes, and when required, appraisal fees. Elements Financial reserves the right to modify or end this offer at any time. Subject to credit approval. Elements Financial Membership Required.