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Home Equity Line of Credit (HELOC)

Owner occupied 1-4 family residences including multi-wide manufactured homes, condominiums and townhouses. Is a 20 year term. Flexibility to use your credit anytime during the first 5 years called the “Draw Period”. After the Draw Period ends, the credit is frozen and the 15 year “Repayment Period” begins. During the Draw Period, the interest rate is a variable adjustable rate subject to monthly rate changes. Can access funds via debit card, checks or in person during the Draw Period. An annual fee may apply.

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