*Variable APR (Annual Percentage Rate) based on the Wall Street Journal Prime Rate published on the last business day of the month. 6.75% as of 06/18/2026. Introductory 5.49% APR in effect for the first 9 months following account set up; afterwards the APR will be based on Prime less 1.00%, subject to a minimum APR of 4.50%. Maximum APR 18.00%. Rates are subject to change and may increase after consummation. $50.00 annual fee. $500 early termination fee. Interest-only payments for initial 10 years, with additional 10-year payback of P&I. Maximum LTV 70%. Rate and terms may vary based upon property type, property value, loan amount, loan to value ratio, credit history, lien position and income. Not available for homes currently for sale or intended to be sold. 1-4 family, owner occupied residences, condominiums and 2nd/vacation properties qualify. Property insurance required. Flood insurance may be required. Consult a tax advisor for information regarding the deductibility of interest and charges. All loans subject to credit approval and underwriting approval. Certain fees & restrictions may apply.