If you own your home, a Home Equity Line of Credit (HELOC) can be an affordable way to finance home repairs or improvements, pay for medical expenses, consolidate higher-rate debt, finance large purchases (like education or a second home), or simply serve as an emergency fund to pay for unexpected expenses. And our rates are some of the lowest in the U.S.

A HELOC is an open line of credit, with a variable rate, that you draw from only as you need to. If you prefer a fixed rate and know exactly how much you need to borrow (and want it all at funding), you might want to consider a HOME EQUITY LOAN.

We offer two HELOC options: Standard and Rate Advantage.

Standard HELOC

As low as HECODE0080PROHELOC66|HEMinAPR APR. SEE ALL HELOC RATES & TERMS
Available on single-family homes and condos located in the state of California.¹
From $10,000 to $250,000.
No lender origination fees.²
Advances can be made during the first 10 years.
Interest-only payments for first 10 years; remaining 15-year term is fully amortized.
Easily transfer funds to your SchoolsFirst FCU checking account.

Rate Advantage HELOC

In addition to, or in place of, standard HELOC features:

As low as HECODE0080HYBHELOC48|HEMinAPR APR. SEE ALL HELOC RATES & TERMS
Fixed rate for the first five years; variable thereafter.
From $25,000 to $250,000.
Minimum initial draw of $25,000 required at account opening.

IS A HELOC A SMART BORROWING OPTION?

REMODELING TRENDS THAT CAN MAKE OR BREAK YOUR HOME'S VALUE

GET STARTED

If you are ready to apply or would like to compare different loan options, start with the Credit Union you trust.

Online

Complete a simple inquiry form to have a loan consultant contact you.
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Call

Our loan consultants will answer your questions about financing and find a loan that’s right for you.

In Person

Appointments available at designated branch locations.

800.462.8328, ext. 8288

Monday through Friday, 8 a.m. - 7 p.m.
Saturday, 9 a.m. - 3 p.m.

SHSVNG Share Savings 0 0 1.0E9 5.0 0.1 0.1 LQAVMM Liquid Adv. Money Market 0 0 9999.99 2000.0 0.75 0.75 24999.99 10000.0 0.991 1.0 49999.99 25000.0 0.991 1.0 99999.99 50000.0 0.991 1.0 1.0E9 100000.0 1.49 1.5 COLSAV 12-Month College Saver 0 0 1.0E9 200.0 4.21 4.3 SUMSVR Summer Saver 0 0 1.0E9 0.0 6.3 6.5 MYCLUB My Club Account 0 0 1.0E9 0.0 0.991 1.0 HOMSAV My Home Savings Account 12 12 150000.0 250.0 4.4 4.5 PYCPLN Paycheck Planner 0 0 1.0E9 0.0 6.3 6.5 ACCIRA Accumulation IRA 0 0 1.0E9 10.0 0.991 1.0 PRMIRACRT 6-Month IRA Promotional Certificate 6 6 1.0E9 500.0 4.5 4.6 PRMIRACRT 15-Month IRA Promotional Certificate 15 15 1.0E9 500.0 4.74 4.85 PRMIRACRT 37-Month IRA Promotional Certificate 37 37 1.0E9 500.0 4.83 4.95 IRACRT 30 Day 1 1 19999.99 500.0 3.0 3.05 49999.99 20000.0 3.05 3.1 99999.99 50000.0 3.1 3.15 IRACRT 30 Day 1 1 249999.99 100000.0 3.15 3.2 1.0E9 250000.0 3.2 3.25 PRMSHCERT 6-Month Add-On Promotional Certificate 6 6 1.0E9 500.0 4.4 4.5 PRMSHCERT 15-Month Promotional Certificate 15 15 1.0E9 500.0 4.64 4.75 PRMSHCERT 37-Month Promotional Certificate 37 37 1.0E9 500.0 4.74 4.85 SHCERT 30 Day 1 1 19999.99 500.0 2.91 2.95 49999.99 20000.0 2.96 3.0 99999.99 50000.0 3.0 3.05 SHCERT 30 Day 1 1 249999.99 100000.0 3.05 3.1 1.0E9 250000.0 3.1 3.15 SHCERT 03 - 05 Month 5 3 19999.99 500.0 3.78 3.85 49999.99 20000.0 3.83 3.9 99999.99 50000.0 3.87 3.95 SHCERT 03 - 05 Month 5 3 249999.99 100000.0 3.92 4.0 1.0E9 250000.0 3.97 4.05 SHCERT 06 - 11 Month 11 6 19999.99 500.0 4.02 4.1 49999.99 20000.0 4.07 4.15 99999.99 50000.0 4.11 4.2 SHCERT 06 - 11 Month 11 6 249999.99 100000.0 4.16 4.25 1.0E9 250000.0 4.21 4.3 SHCERT 12 - 17 Month 17 12 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 12 - 17 Month 17 12 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 SHCERT 18 - 23 Month 23 18 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 18 - 23 Month 23 18 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 SHCERT 36 - 47 Month 47 36 19999.99 500.0 4.11 4.2 SHCERT 36 - 47 Month 47 36 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 36 - 47 Month 47 36 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 SHCERT 60 Month 60 60 19999.99 500.0 4.26 4.35 49999.99 20000.0 4.31 4.4 99999.99 50000.0 4.35 4.45 SHCERT 60 Month 60 60 249999.99 100000.0 4.4 4.5 1.0E9 250000.0 4.45 4.55 SHCERT 48 - 59 Month 59 48 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 48 - 59 Month 59 48 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 SHCERT 24 - 35 Month 35 24 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 24 - 35 Month 35 24 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 DCPCRT 36 Month Term 36 36 99999.99 500.0 4.88 5.0 DCPCRT 36 Month Jumbo 36 36 1.0E9 100000.0 4.88 5.0 DCPCRT 60 Month Term 60 60 99999.99 500.0 5.12 5.25 DCPCRT 60 Month Jumbo 60 60 1.0E9 100000.0 5.12 5.25 INVCHK Investment Checking 0 0 24999.99 0.0 0.05 0.05 99999.99 25000.0 0.1 0.1 1.0E9 100000.0 0.1 0.1 CVRDLL 12-Month Coverdell 0 0 1.0E9 100.0 4.35 4.45 IRACRT 03 - 05 Month 5 3 19999.99 500.0 3.87 3.95 49999.99 20000.0 3.92 4.0 99999.99 50000.0 3.97 4.05 IRACRT 03 - 05 Month 5 3 249999.99 100000.0 4.02 4.1 1.0E9 250000.0 4.07 4.15 IRACRT 06 - 11 Month 11 6 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 IRACRT 06 - 11 Month 11 6 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 IRACRT 12 - 17 Month 17 12 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 12 - 17 Month 17 12 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 18 - 23 Month 23 18 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 18 - 23 Month 23 18 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 24 - 35 Month 35 24 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 24 - 35 Month 35 24 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 36 - 47 Month 47 36 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 36 - 47 Month 47 36 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 48 - 59 Month 59 48 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 48 - 59 Month 59 48 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 60 Month 60 60 19999.99 500.0 4.35 4.45 49999.99 20000.0 4.4 4.5 99999.99 50000.0 4.45 4.55 IRACRT 60 Month 60 60 249999.99 100000.0 4.5 4.6 1.0E9 250000.0 4.55 4.65 DCPCRT 12 Month Term 12 12 99999.99 0.0 4.64 4.75 DCPCRT 12 Month Jumbo 12 12 1.0E9 100000.0 4.64 4.75 LOANTYPE0 Prime Rate (T1-Rewards,T2-Current) 0 0.0 2.08 0.0 4.5 2.28 4.75 2.29 0.0 2.08 0.0 2.08 0.0 2.08 LOANTYPE1 First Time Buyer - New Auto 48 18.0 2.94 8.59 2.47 30000.0 8.59 2.47 9.99 2.54 12.25 2.65 14.5 2.76 17.25 2.9 18.0 2.94 8.59 2.47 LOANTYPE1 First Time Buyer - New Auto 60 18.0 2.54 8.99 2.08 30000.0 8.99 2.08 10.5 2.15 13.25 2.29 15.5 2.41 17.25 2.5 18.0 2.54 8.99 2.08 LOANTYPE4 New Auto 36 18.0 3.62 6.39 3.06 0.0 6.39 3.06 6.99 3.09 7.99 3.13 10.99 3.27 13.49 3.39 18.0 3.62 6.39 3.06 LOANTYPE4 New Auto 48 18.0 2.94 6.39 2.37 0.0 6.39 2.37 6.99 2.39 7.99 2.44 10.99 2.58 13.49 2.71 18.0 2.94 6.39 2.37 LOANTYPE4 New Auto 60 18.0 2.54 6.39 1.95 0.0 6.39 1.95 6.99 1.98 7.99 2.03 10.99 2.17 13.49 2.3 18.0 2.54 6.39 1.95 LOANTYPE4 New Auto 72 18.0 2.28 6.69 1.69 0.0 6.69 1.69 7.25 1.72 8.25 1.77 11.25 1.92 13.49 2.03 18.0 2.28 6.69 1.69 LOANTYPE4 New Auto 84 18.0 2.1 7.39 1.53 0.0 7.39 1.53 7.99 1.56 18.0 2.1 18.0 2.1 18.0 2.1 18.0 2.1 7.39 1.53 LOANTYPE5 FastTrack (New Auto) 0 18.0 2.94 6.39 2.37 0.0 6.39 2.37 6.99 2.39 7.99 2.44 10.99 2.58 13.49 2.71 18.0 2.94 6.39 2.37 LOANTYPE7 FastTrack (Used Auto) 0 18.0 2.94 6.59 2.38 0.0 6.59 2.38 7.25 2.41 8.25 2.45 11.25 2.6 13.75 2.72 18.0 2.94 6.59 2.38 LOANTYPE8 Used Auto 36 18.0 3.62 6.59 3.07 0.0 6.59 3.07 7.25 3.1 8.25 3.15 11.25 3.29 13.75 3.41 18.0 3.62 6.59 3.07 LOANTYPE8 Used Auto 48 18.0 2.94 6.59 2.38 0.0 6.59 2.38 7.25 2.41 8.25 2.45 11.25 2.6 13.75 2.72 18.0 2.94 6.59 2.38 LOANTYPE8 Used Auto 60 18.0 2.54 6.59 1.96 0.0 6.59 1.96 7.25 1.99 8.25 2.04 11.25 2.19 13.75 2.31 18.0 2.54 6.59 1.96 LOANTYPE8 Used Auto 72 18.0 2.28 6.99 1.7 0.0 6.99 1.7 7.49 1.73 8.49 1.78 11.49 1.93 13.75 2.05 18.0 2.28 6.99 1.7 LOANTYPE8 Used Auto 84 18.0 2.1 7.59 1.54 0.0 7.59 1.54 8.25 1.57 18.0 2.1 18.0 2.1 18.0 2.1 18.0 2.1 7.59 1.54 LOANTYPE10 New Motorcycle 60 18.0 2.54 5.99 1.93 0.0 5.99 1.93 8.99 2.08 11.5 2.2 14.25 2.34 17.25 2.5 18.0 2.54 5.99 1.93 LOANTYPE10 New Motorcycle 72 18.0 2.28 6.49 1.68 0.0 6.49 1.68 9.49 1.83 11.99 1.95 17.25 2.24 17.25 2.24 18.0 2.28 6.49 1.68 LOANTYPE11 Used Motorcycle 60 18.0 2.54 5.99 1.93 0.0 5.99 1.93 8.99 2.08 11.5 2.2 14.25 2.34 17.25 2.5 18.0 2.54 5.99 1.93 LOANTYPE11 Used Motorcycle 72 18.0 2.28 6.49 1.68 0.0 6.49 1.68 9.49 1.83 11.99 1.95 17.25 2.24 17.25 2.24 18.0 2.28 6.49 1.68 LOANTYPE12 New RV (No offroad) 0 18.0 2.94 0.0 7.75 2.43 9.75 2.52 12.75 2.67 17.25 2.9 18.0 2.94 18.0 2.94 LOANTYPE14 Used RV (No offroad) 0 18.0 2.94 0.0 8.75 2.48 10.75 2.57 13.75 2.72 17.25 2.9 18.0 2.94 18.0 2.94 LOANTYPE15 First Time Buyer - Used Auto 48 18.0 2.94 8.99 2.49 30000.0 8.99 2.49 10.25 2.55 12.75 2.67 14.75 2.77 17.25 2.9 18.0 2.94 8.99 2.49 LOANTYPE15 First Time Buyer - Used Auto 60 18.0 2.54 9.25 2.09 30000.0 9.25 2.09 10.75 2.16 13.5 2.3 15.75 2.42 17.25 2.5 18.0 2.54 9.25 2.09 LOANTYPE16 New Boat/New Watercraft 0 18.0 2.94 0.0 7.75 2.43 9.75 2.52 12.75 2.67 17.25 2.9 18.0 2.94 18.0 2.94 LOANTYPE28 Special Curriculum Loans – Fixed 60 5.75 1.92 5.0 1.89 15000.0 5.0 1.89 5.0 1.89 5.0 1.89 5.0 1.89 5.0 1.89 5.75 1.92 5.0 1.89 LOANTYPE29 Special Curriculum Loans – Variable 60 11.25 2.19 10.5 2.15 50000.0 10.5 2.15 10.5 2.15 10.5 2.15 10.5 2.15 10.5 2.15 11.25 2.19 10.5 2.15 LOANTYPE30 Computer Loan 24 5.75 4.42 5.0 4.39 2500.0 5.0 4.39 5.0 4.39 5.0 4.39 5.0 4.39 5.0 4.39 5.75 4.42 5.0 4.39 LOANTYPE31 Educator Relocation Loan 36 9.75 3.21 9.0 3.18 5000.0 9.0 3.18 9.0 3.18 9.0 3.18 9.0 3.18 9.0 3.18 9.75 3.21 9.0 3.18 LOANTYPE33 Overdraft Protection 0 17.9 2.93 11.5 2.61 5000.0 11.5 2.61 13.5 2.71 15.5 2.81 17.9 2.93 17.9 2.93 17.9 2.93 11.5 2.61 LOANTYPE34 Personal Loan 0 18.0 3.62 9.99 3.23 50000.0 10.25 3.24 11.99 3.32 13.5 3.39 15.75 3.5 17.25 3.58 18.0 3.62 9.99 3.23 LOANTYPE34 Personal Loan 24 18.0 4.99 9.99 4.61 50000.0 10.25 4.63 11.99 4.71 13.5 4.78 15.75 4.88 17.25 4.96 18.0 4.99 9.99 4.61 LOANTYPE34 Personal Loan 36 18.0 3.62 9.99 3.23 50000.0 10.25 3.24 11.99 3.32 13.5 3.39 15.75 3.5 17.25 3.58 18.0 3.62 9.99 3.23 LOANTYPE34 Personal Loan 48 18.0 2.94 10.99 2.58 50000.0 11.25 2.6 12.99 2.68 14.5 2.76 16.5 2.86 17.25 2.9 18.0 2.94 10.99 2.58 LOANTYPE34 Personal Loan 60 18.0 2.54 12.49 2.25 50000.0 12.75 2.26 14.49 2.35 15.49 2.4 17.25 2.5 17.25 2.5 18.0 2.54 12.49 2.25 LOANTYPE37 Teacher Consolidation Loan 48 5.9 2.34 5.9 2.34 0.0 5.9 2.34 5.9 2.34 5.9 2.34 5.9 2.34 5.9 2.34 5.9 2.34 5.9 2.34 LOANTYPE37 Teacher Consolidation Loan 60 6.9 1.98 6.9 1.98 0.0 6.9 1.98 6.9 1.98 6.9 1.98 6.9 1.98 6.9 1.98 6.9 1.98 6.9 1.98 LOANTYPE37 Teacher Consolidation Loan 72 7.9 1.75 7.9 1.75 0.0 7.9 1.75 7.9 1.75 7.9 1.75 7.9 1.75 7.9 1.75 7.9 1.75 7.9 1.75 LOANTYPE39 Payroll Savings 0 17.9 2.93 17.9 2.93 500.0 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 LOANTYPE80 Visa Classic 0 17.9 2.93 11.0 2.58 25000.0 11.0 2.58 13.0 2.68 15.0 2.78 17.9 2.93 17.9 2.93 17.9 2.93 11.0 2.58 LOANTYPE81 Visa Gold 0 17.9 2.93 11.0 2.58 25000.0 11.0 2.58 13.0 2.68 15.0 2.78 17.9 2.93 17.9 2.93 17.9 2.93 11.0 2.58 LOANTYPE82 Student Visa 0 17.9 2.93 10.9 2.58 25000.0 10.9 2.58 12.9 2.68 14.9 2.78 17.9 2.93 17.9 2.93 17.9 2.93 10.9 2.58 LOANTYPE83 Share Secured Visa 0 17.9 2.93 13.9 2.73 5000.0 13.9 2.73 13.9 2.73 13.9 2.73 13.9 2.73 13.9 2.73 17.9 2.93 13.9 2.73 LOANTYPE84 School Employee Credit Card 0 17.9 2.93 8.0 2.44 25000.0 8.0 2.44 10.0 2.54 12.0 2.63 17.0 2.89 17.9 2.93 17.9 2.93 8.0 2.44 LOANTYPE85 MasterCard Secured 0 17.9 2.93 13.9 2.73 5000.0 13.9 2.73 13.9 2.73 13.9 2.73 13.9 2.73 13.9 2.73 17.9 2.93 13.9 2.73 LOANTYPE86 Visa Platinum 0 17.9 2.93 9.25 2.5 25000.0 9.0 2.49 11.0 2.58 13.0 2.68 17.9 2.93 17.9 2.93 17.9 2.93 9.25 2.5 LOANTYPE87 Visa Rewards Card 0 17.9 2.93 12.0 2.63 25000.0 12.0 2.63 14.0 2.73 16.0 2.83 17.9 2.93 17.9 2.93 17.9 2.93 12.0 2.63 LOANTYPE89 Credit Card 0 17.9 2.93 12.0 2.63 25000.0 12.0 2.63 14.0 2.73 16.0 2.83 17.9 2.93 17.9 2.93 17.9 2.93 12.0 2.63 LOANTYPE95 MasterCard Inspire 0 17.9 2.93 13.75 2.72 35000.0 15.75 2.82 17.75 2.92 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 13.75 2.72 LOANTYPE96 MasterCard School Employee 0 17.9 2.93 11.75 2.62 35000.0 12.75 2.67 14.75 2.77 16.75 2.87 17.9 2.93 17.9 2.93 17.9 2.93 11.75 2.62 LOANTYPE97 MasterCard Rewards 0 17.9 2.93 15.0 2.78 35000.0 16.75 2.87 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 15.0 2.78 LOANTYPE98 Higher Education 0 11.25 1.39 10.5 1.35 50000.0 10.5 1.35 10.5 1.35 10.5 1.35 10.5 1.35 10.5 1.35 11.25 1.39 10.5 1.35 HEINFO Misc. Home Equity Infos 0 0.0 0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 HYBHELOC48 Rate AdvantagebrLine of Credit 0 250000.0 80 8.5 0.0 12.0 0.0 8.5 0.0 12.0 0.0 -0.5 3.0 HYBHELOC48 Rate AdvantagebrLine of Credit 0 100000.0 90 9.25 0.0 12.0 0.0 9.25 0.0 12.0 0.0 0.25 3.0 HYBHELOC48NOO Rate AdvantagebrLine of Credit Non-Owner 0 150000.0 70 8.5 0.0 9.0 0.0 8.5 0.0 9.0 0.0 -0.5 0.0 PRI3020B 30 Due in 20 Fixed Home Equity Loan1 30 250000.0 80 7.625 7.08 10.875 9.43 7.625 7.08 10.875 9.43 0.0 0.0 PRI3020B 30 Due in 20 Fixed Home Equity Loan1 30 100000.0 90 9.125 8.14 10.875 9.43 9.125 8.14 10.875 9.43 0.0 0.0 PRIHEB 7-Year Fixed Home Equity Loan 7 250000.0 80 3.5 13.44 5.25 14.25 3.5 13.44 5.25 14.25 0.0 0.0 PRIHEB 7-Year Fixed Home Equity Loan 7 100000.0 90 5.0 14.13 6.75 14.97 5.0 14.13 6.75 14.97 0.0 0.0 PRIHEB 10-Year Fixed Home Equity Loan 10 250000.0 80 6.75 11.48 10.0 13.22 6.75 11.48 10.0 13.22 0.0 0.0 PRIHEB 10-Year Fixed Home Equity Loan 10 100000.0 90 8.25 12.27 10.0 13.22 8.25 12.27 10.0 13.22 0.0 0.0 PRIHEB 15-Year Fixed Home Equity Loan 15 250000.0 80 7.0 8.99 10.25 10.9 7.0 8.99 10.25 10.9 0.0 0.0 PRIHEB 15-Year Fixed Home Equity Loan 15 100000.0 90 8.5 9.85 10.25 10.9 8.5 9.85 10.25 10.9 0.0 0.0 PRIHEBNOO 15-Year Fixed Home Equity Loan Non-Owner 15 150000.0 70 8.0 9.56 8.5 9.85 8.0 9.56 8.5 9.85 0.0 0.0 PRIHELOC66 Home Equity Line of Credit 0 250000.0 80 8.0 0.0 11.5 0.0 8.0 0.0 11.5 0.0 -0.5 3.0 PRIHELOC66 Home Equity Line of Credit 0 100000.0 90 8.75 0.0 11.5 0.0 8.75 0.0 11.5 0.0 0.25 3.0 PRIHELOC66NOO Home Equity Line of Credit Non-Owner 0 150000.0 70 8.0 0.0 8.5 0.0 8.0 0.0 8.5 0.0 -0.5 0.0 PROHELOC66 Home Equity Promo 0 250000.0 80 6.99 0.0 7.99 0.0 6.99 0.0 7.99 0.0 -0.5 0.5 PROHELOC66 Home Equity Promo 0 100000.0 90 7.74 0.0 10.49 0.0 7.74 0.0 10.49 0.0 0.25 3.0 C10 Real Estate Fixed RECODEM1C10 -1.0 6.625 6.77 11.4 0.0 C10 Real Estate Fixed RECODEP1C10 1.0 6.125 6.49 11.1 0.0 C10 Real Estate Fixed RECODEZRC10 0.0 6.375 6.52 11.2 0.0 C15 Real Estate Fixed RECODEM1C15 -1.0 6.75 6.86 8.85 0.0 C15 Real Estate Fixed RECODEP1C15 1.0 6.25 6.51 8.57 0.0 C15 Real Estate Fixed RECODEZRC15 0.0 6.5 6.6 8.71 0.0 C30 Real Estate Fixed RECODEM1C30 -1.0 7.375 7.44 6.91 0.0 C30 Real Estate Fixed RECODEP1C30 1.0 6.875 7.04 6.57 0.0 C30 Real Estate Fixed RECODEZRC30 0.0 7.125 7.19 6.74 0.0 FHA15-P Real Estate Fixed RECODEM1FHA15-P -1.0 6.625 7.69 8.78 0.0 FHA15-P Real Estate Fixed RECODEP1FHA15-P 1.0 6.125 7.51 8.51 0.0 FHA15-P Real Estate Fixed RECODEZRFHA15-P 0.0 6.375 7.6 8.65 0.0 FHA15-R Real Estate Fixed RECODEM1FHA15-R -1.0 6.75 7.49 8.85 0.0 FHA15-R Real Estate Fixed RECODEP1FHA15-R 1.0 6.25 7.3 8.58 0.0 FHA15-R Real Estate Fixed RECODEZRFHA15-R 0.0 6.5 7.4 8.71 0.0 FHA15-SR Real Estate Fixed RECODEM1FHA15-SR -1.0 6.75 7.49 8.85 0.0 FHA15-SR Real Estate Fixed RECODEP1FHA15-SR 1.0 6.25 7.3 8.58 0.0 FHA15-SR Real Estate Fixed RECODEZRFHA15-SR 0.0 6.5 7.4 8.71 0.0 FHA30-P Real Estate Fixed RECODEM1FHA30-P -1.0 7.25 8.24 6.83 0.0 FHA30-P Real Estate Fixed RECODEP1FHA30-P 1.0 6.75 7.93 6.49 0.0 FHA30-P Real Estate Fixed RECODEZRFHA30-P 0.0 7.0 8.09 6.66 0.0 FHA30-R Real Estate Fixed RECODEM1FHA30-R -1.0 7.375 8.05 6.91 0.0 FHA30-R Real Estate Fixed RECODEP1FHA30-R 1.0 6.875 7.74 6.57 0.0 FHA30-R Real Estate Fixed RECODEZRFHA30-R 0.0 7.125 7.9 6.74 0.0 FHA30-SR Real Estate Fixed RECODEM1FHA30-SR -1.0 7.375 8.05 6.91 0.0 FHA30-SR Real Estate Fixed RECODEP1FHA30-SR 1.0 6.875 7.74 6.57 0.0 FHA30-SR Real Estate Fixed RECODEZRFHA30-SR 0.0 7.125 7.9 6.74 0.0 HAP-C10 Real Estate Fixed RECODEM1HAP-C10 -1.0 6.5 6.67 11.3 0.0 HAP-C10 Real Estate Fixed RECODEP1HAP-C10 1.0 6.0 6.39 11.1 0.0 HAP-C10 Real Estate Fixed RECODEZRHAP-C10 0.0 6.25 6.42 11.2 0.0 HAP-C30 Real Estate Fixed RECODEM1HAP-C30 -1.0 7.25 7.33 6.82 0.0 HAP-C30 Real Estate Fixed RECODEP1HAP-C30 1.0 6.75 6.92 6.49 0.0 HAP-C30 Real Estate Fixed RECODEZRHAP-C30 0.0 7.0 7.08 6.65 0.0 HAP-C30-NOMI-SE Real Estate Fixed RECODEM1HAP-C30-NOMI-SE -1.0 7.375 7.45 6.91 0.0 HAP-C30-NOMI-SE Real Estate Fixed RECODEP1HAP-C30-NOMI-SE 1.0 6.875 7.04 6.57 0.0 HAP-C30-NOMI-SE Real Estate Fixed RECODEZRHAP-C30-NOMI-SE 0.0 7.125 7.2 6.74 0.0 HAP-HB-30-NOMI-SE Real Estate Fixed RECODEM1HAP-HB-30-NOMI-SE -1.0 7.5 7.57 6.99 0.0 HAP-HB-30-NOMI-SE Real Estate Fixed RECODEP1HAP-HB-30-NOMI-SE 1.0 7.0 7.16 6.65 0.0 HAP-HB-30-NOMI-SE Real Estate Fixed RECODEZRHAP-HB-30-NOMI-SE 0.0 7.25 7.32 6.82 0.0 HAP-HC15 Real Estate Fixed RECODEM1HAP-HC15 -0.5 6.875 7.0 8.92 0.0 HAP-HC15 Real Estate Fixed RECODEP1HAP-HC15 1.0 6.5 6.78 8.71 0.0 HAP-HC15 Real Estate Fixed RECODEZRHAP-HC15 0.0 6.75 6.87 8.85 0.0 HAP-HC30 Real Estate Fixed RECODEM1HAP-HC30 -0.5 7.375 7.45 6.91 0.0 HAP-HC30 Real Estate Fixed RECODEP1HAP-HC30 1.0 7.0 7.17 6.65 0.0 HAP-HC30 Real Estate Fixed RECODEZRHAP-HC30 0.0 7.25 7.32 6.82 0.0 HAP-J15 Real Estate Fixed RECODEM1HAP-J15 -1.0 6.875 6.99 8.92 0.0 HAP-J15 Real Estate Fixed RECODEP1HAP-J15 1.0 6.375 6.64 8.64 0.0 HAP-J15 Real Estate Fixed RECODEZRHAP-J15 0.0 6.625 6.73 8.78 0.0 HAP-J30 Real Estate Fixed RECODEM1HAP-J30 -1.0 7.375 7.45 6.91 0.0 HAP-J30 Real Estate Fixed RECODEP1HAP-J30 1.0 6.875 7.04 6.57 0.0 HAP-J30 Real Estate Fixed RECODEZRHAP-J30 0.0 7.125 7.2 6.74 0.0 HAP-P-NOO-15 Real Estate Fixed RECODEM1HAP-P-NOO-15 -0.5 7.125 7.17 9.06 0.0 HAP-P-NOO-15 Real Estate Fixed RECODEP1HAP-P-NOO-15 0.5 6.875 7.08 8.92 0.0 HAP-P-NOO-15 Real Estate Fixed RECODEZRHAP-P-NOO-15 0.0 7.0 7.13 8.99 0.0 HAP-P-NOO-30N15 Real Estate Fixed RECODEM1HAP-P-NOO-30N15 -0.5 7.875 7.91 7.25 771.73 HAP-P-NOO-30N15 Real Estate Fixed RECODEP1HAP-P-NOO-30N15 0.5 7.625 7.76 7.08 764.78 HAP-P-NOO-30N15 Real Estate Fixed RECODEZRHAP-P-NOO-30N15 0.0 7.75 7.83 7.16 768.27 HAP15 Real Estate Fixed RECODEM1HAP15 -1.0 6.625 6.75 8.78 0.0 HAP15 Real Estate Fixed RECODEP1HAP15 1.0 6.125 6.4 8.51 0.0 HAP15 Real Estate Fixed RECODEZRHAP15 0.0 6.375 6.49 8.64 0.0 HC15 Real Estate Fixed RECODEM1HC15 -0.5 7.0 7.09 8.99 0.0 HC15 Real Estate Fixed RECODEP1HC15 1.0 6.625 6.87 8.78 0.0 HC15 Real Estate Fixed RECODEZRHC15 0.0 6.875 6.96 8.92 0.0 HC30 Real Estate Fixed RECODEM1HC30 -0.5 7.5 7.56 6.99 0.0 HC30 Real Estate Fixed RECODEP1HC30 1.0 7.125 7.28 6.74 0.0 HC30 Real Estate Fixed RECODEZRHC30 0.0 7.375 7.43 6.91 0.0 J15 Real Estate Fixed RECODEM1J15 -1.0 7.0 7.09 8.99 0.0 J15 Real Estate Fixed RECODEP1J15 1.0 6.5 6.74 8.71 0.0 J15 Real Estate Fixed RECODEZRJ15 0.0 6.75 6.84 8.85 0.0 J30 Real Estate Fixed RECODEM1J30 -1.0 7.5 7.56 6.99 0.0 J30 Real Estate Fixed RECODEP1J30 1.0 7.0 7.15 6.65 0.0 J30 Real Estate Fixed RECODEZRJ30 0.0 7.25 7.31 6.82 0.0 P-C30-FTHB Real Estate Fixed RECODEM1P-C30-FTHB -1.0 7.25 7.9 6.82 0.0 P-C30-FTHB Real Estate Fixed RECODEP1P-C30-FTHB 1.0 6.75 7.49 6.49 0.0 P-C30-FTHB Real Estate Fixed RECODEZRP-C30-FTHB 0.0 7.0 7.65 6.65 0.0 P-HB-30-FTHB Real Estate Fixed RECODEM1P-HB-30-FTHB -1.0 7.375 8.02 6.91 0.0 P-HB-30-FTHB Real Estate Fixed RECODEP1P-HB-30-FTHB 1.0 6.875 7.61 6.57 0.0 P-HB-30-FTHB Real Estate Fixed RECODEZRP-HB-30-FTHB 0.0 7.125 7.77 6.74 0.0 P-NOO-15 Real Estate Fixed RECODEM1P-NOO-15 -0.5 7.125 7.15 9.06 0.0 P-NOO-15 Real Estate Fixed RECODEP1P-NOO-15 0.5 6.875 7.06 8.92 0.0 P-NOO-15 Real Estate Fixed RECODEZRP-NOO-15 0.0 7.0 7.11 8.99 0.0 P-NOO-30N15 Real Estate Fixed RECODEM1P-NOO-30N15 -0.5 7.875 7.9 7.25 771.73 P-NOO-30N15 Real Estate Fixed RECODEP1P-NOO-30N15 0.5 7.625 7.75 7.08 764.78 P-NOO-30N15 Real Estate Fixed RECODEZRP-NOO-30N15 0.0 7.75 7.82 7.16 768.27 10YRT-C Real Estate Adjustable RECODEZR10YRT-C 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 6.625 6.96 6.4 7.45 8.52 9.62 5-5-CMT Real Estate Adjustable RECODEM15-5-CMT -1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.625 6.91 6.4 7.63 8.77 9.77 5-5-CMT Real Estate Adjustable RECODEP15-5-CMT 1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.125 6.81 6.08 7.27 8.38 9.36 5-5-CMT Real Estate Adjustable RECODEZR5-5-CMT 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.375 6.81 6.24 7.45 8.57 9.56 5YRT-C Real Estate Adjustable RECODEZR5YRT-C 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.375 7.37 6.24 7.45 8.71 9.36 7YRT-C Real Estate Adjustable RECODEZR7YRT-C 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.5 7.19 6.32 7.47 8.66 9.27 HAP-10-1-NC Real Estate Adjustable RECODEZRHAP-10-1-NC 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 6.875 7.16 6.57 7.63 8.72 9.84 HAP-10-1-NC-NOMI Real Estate Adjustable RECODEZRHAP-10-1-NC-NOMI 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 7.0 7.24 6.65 7.72 8.82 9.94 HAP-10YRT-C Real Estate Adjustable RECODEZRHAP-10YRT-C 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 6.625 6.97 6.4 7.45 8.52 9.62 HAP-5-1-NC Real Estate Adjustable RECODEZRHAP-5-1-NC 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.625 7.48 6.4 7.63 8.91 9.56 HAP-5-1-NC-NOMI Real Estate Adjustable RECODEZRHAP-5-1-NC-NOMI 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.75 7.52 6.49 7.72 9.0 9.66 HAP-5-5-CMT Real Estate Adjustable RECODEM1HAP-5-5-CMT -1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.625 6.92 6.4 7.63 8.77 9.77 HAP-5-5-CMT Real Estate Adjustable RECODEP1HAP-5-5-CMT 1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.125 6.82 6.08 7.27 8.38 9.36 HAP-5-5-CMT Real Estate Adjustable RECODEZRHAP-5-5-CMT 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.375 6.82 6.24 7.45 8.57 9.56 HAP-5-5-NC Real Estate Adjustable RECODEZRHAP-5-5-NC 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.625 6.92 6.4 7.63 8.77 9.77 HAP-5-5-NC-NOMI Real Estate Adjustable RECODEZRHAP-5-5-NC-NOMI 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.75 6.97 6.49 7.72 8.87 9.88 HAP-5YRT-C Real Estate Adjustable RECODEZRHAP-5YRT-C 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.375 7.38 6.24 7.45 8.71 9.36 HAP-7-1-NC Real Estate Adjustable RECODEZRHAP-7-1-NC 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.75 7.34 6.49 7.65 8.86 9.47 HAP-7-1-NC-NOMI Real Estate Adjustable RECODEZRHAP-7-1-NC-NOMI 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.875 7.4 6.57 7.74 8.96 9.57 HAP-7YRT-C Real Estate Adjustable RECODEZRHAP-7YRT-C 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.5 7.2 6.32 7.47 8.66 9.27 HAP-NOPMI-ADJ10/1 Real Estate Adjustable RECODEM1HAP-NOPMI-ADJ10/1 -1.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 7.0 7.24 6.65 7.72 8.82 9.94 HAP-NOPMI-ADJ10/1 Real Estate Adjustable RECODEP1HAP-NOPMI-ADJ10/1 1.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 6.5 6.97 6.32 7.36 8.43 9.52 HAP-NOPMI-ADJ10/1 Real Estate Adjustable RECODEZRHAP-NOPMI-ADJ10/1 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 6.75 7.06 6.49 7.54 8.62 9.73 HAP-NOPMI-ADJ5/1 Real Estate Adjustable RECODEM1HAP-NOPMI-ADJ5/1 -1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.75 7.52 6.49 7.72 9.0 9.66 HAP-NOPMI-ADJ5/1 Real Estate Adjustable RECODEP1HAP-NOPMI-ADJ5/1 1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.25 7.42 6.16 7.36 8.62 9.26 HAP-NOPMI-ADJ5/1 Real Estate Adjustable RECODEZRHAP-NOPMI-ADJ5/1 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.5 7.42 6.32 7.54 8.81 9.46 HAP-NOPMI-ADJ5/5 Real Estate Adjustable RECODEM1HAP-NOPMI-ADJ5/5 -1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.75 6.96 6.49 7.72 8.87 9.88 HAP-NOPMI-ADJ5/5 Real Estate Adjustable RECODEP1HAP-NOPMI-ADJ5/5 1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.25 6.86 6.16 7.36 8.48 9.46 HAP-NOPMI-ADJ5/5 Real Estate Adjustable RECODEZRHAP-NOPMI-ADJ5/5 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.5 6.86 6.32 7.54 8.67 9.67 HAP-NOPMI-ADJ7/1 Real Estate Adjustable RECODEM1HAP-NOPMI-ADJ7/1 -1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.875 7.57 6.57 7.74 8.96 9.57 HAP-NOPMI-ADJ7/1 Real Estate Adjustable RECODEP1HAP-NOPMI-ADJ7/1 1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.375 7.47 6.24 7.38 8.57 9.17 HAP-NOPMI-ADJ7/1 Real Estate Adjustable RECODEZRHAP-NOPMI-ADJ7/1 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.625 7.47 6.4 7.56 8.76 9.37 NOPMI-ADJ10/1 Real Estate Adjustable RECODEM1NOPMI-ADJ10/1 -1.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 7.0 7.24 6.65 7.72 8.82 9.94 NOPMI-ADJ10/1 Real Estate Adjustable RECODEP1NOPMI-ADJ10/1 1.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 6.5 6.96 6.32 7.36 8.43 9.52 NOPMI-ADJ10/1 Real Estate Adjustable RECODEZRNOPMI-ADJ10/1 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.19 6.75 7.05 6.49 7.54 8.62 9.73 NOPMI-ADJ5/1 Real Estate Adjustable RECODEM1NOPMI-ADJ5/1 -1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.75 7.51 6.49 7.72 9.0 9.66 NOPMI-ADJ5/1 Real Estate Adjustable RECODEP1NOPMI-ADJ5/1 1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.25 7.42 6.16 7.36 8.62 9.26 NOPMI-ADJ5/1 Real Estate Adjustable RECODEZRNOPMI-ADJ5/1 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.5 7.42 6.32 7.54 8.81 9.46 NOPMI-ADJ5/5 Real Estate Adjustable RECODEM1NOPMI-ADJ5/5 -1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.75 6.96 6.49 7.72 8.87 9.88 NOPMI-ADJ5/5 Real Estate Adjustable RECODEP1NOPMI-ADJ5/5 1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.25 6.86 6.16 7.36 8.48 9.46 NOPMI-ADJ5/5 Real Estate Adjustable RECODEZRNOPMI-ADJ5/5 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.61 6.5 6.86 6.32 7.54 8.67 9.67 NOPMI-ADJ7/1 Real Estate Adjustable RECODEM1NOPMI-ADJ7/1 -1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.875 7.39 6.57 7.74 8.96 9.57 NOPMI-ADJ7/1 Real Estate Adjustable RECODEP1NOPMI-ADJ7/1 1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.375 7.22 6.24 7.38 8.57 9.17 NOPMI-ADJ7/1 Real Estate Adjustable RECODEZRNOPMI-ADJ7/1 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.19 6.625 7.26 6.4 7.56 8.76 9.37

Disclosures

The pricing you may qualify for is based on factors including your credit rating and the combined loan-to-value (CLTV) of your property. A minimum credit qualifying score is required. Pricing effective as of MM/DD/YYYY and subject to change without notice. An approved application is required for pricing to be determined. Variable rate; rate and payment subject to change after account opening. All loans subject to approval. The highest APR that can be charged is 18%. Property insurance is required. Flood insurance required when applicable.

Property Construction/Sale: The borrower is required to wait until loan funds are received to begin work on the property. A property with construction already in progress may not be eligible. If approved, additional fees will be required. Properties currently listed for sale are not eligible.
Some closing costs may be incurred if accommodation recording fees, title charges to clear or transfer liens, or indemnification due to construction on the subject property are required. The borrower is responsible for these costs.

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