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|Home Improvement Loan||Interest Rate||APR||Points|
|Secured 10 Year Fixed||7.24%||7.411%||0.0|
|Secured 15 Year Fixed||8.24%||8.366%||0.0|
Unsecured Fixed Rate Home Improvement Loan Rates: Maximum Loan Amount of $25,000. Fees: $125 processing fee applies to all Fixed Rate Unsecured Home Improvement Loan applications. Secured Loan: Home Improvement Closed-End Loans: Annual Percentage Rate (APR). Combined Loan to Value 101% to 133%. Maximum Loan Amount of $250,000. APRs above are calculated using loan amounts of $50,000, credit score of 710 or greater and loan to value of greater than 100% for a single family residence. Closing costs: A loan origination fee of $375 and a title search fee will apply. Additional state or local mortgage fees or taxes may apply. The actual closing costs generally range between $500 to $1,200, depending on the location of the property, the amount of the loan and other factors. Payments: stated payments do not include hazard insurance, property taxes, or flood insurance. Your actual payment may be higher. Tax Deductibility: Elements Financial does not offer tax advice. Please consult your tax advisor regarding the deductibility of interest. Programs, rates, terms and conditions are subject to change without notice. Payments shown: Do not include taxes and insurance premiums. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates.