|Home Improvement Loan||Interest Rate||APR||Points||Monthly Payment|
|Secured 10 Year Fixed||7.24%||7.411%||0.0||$586.75|
|Secured 15 Year Fixed||8.24%||8.366%||0.0||$484.78|
Unsecured Fixed Rate Home Improvement Loan Rates: Maximum Loan Amount of $25,000. Fees: $140 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. Example Monthly Payments: Are figured on loan amounts of $50,000 and do not include hazard insurance, property taxes, or flood insurance. Your actual payment may be higher. 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. 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.