Home Equity Line of Credit Loans

A Standard Home Equity Line of Credit is a great Home Equity option if you prefer easy access to the equity in your home.

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HELOC Options
Standard HELOC A Standard Home Equity Line of Credit is a great Home Equity option if you prefer easy access to the equity in your home. A fixed amount of money, up to 80% of your home's value (minus the value of your current mortgage), is made available and you can draw from it as needed.
Plus HELOC A Home Equity Line of Credit Plus is a great loan that allows you to access the equity in your home and gives you the financial tools to help: a Visa Platinum card with an incredibly low rate, free home equity checks, and electronic account access.
100% HELOC A 100% Ideal Home Equity Line of Credit is a great Home Equity option if you prefer easy access to all the equity in your home. Up to 100% of your homes value (minus the value of your current mortgage, limit of $25,000) is made available and you can draw from it as needed.

Home Equity Rating


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Home Rates

Mortgage HE Govt Specialty
Mortgage Rates
Type Rate APR
10 Year Fixed 3.875% 4.0224%
15 Year Fixed 4.125% 4.2277%
20 Year Fixed 4.375% 4.4559%
30 Year Fixed 4.625% 4.6846%
Rates Effective July 30, 2010

Payment Example

Home Equity Rates
Type F/V Term Rate
100% Ideal Closed End Term Variable 15 Yrs 9.5%
100% Ideal Closed End Term Fixed 10 Yrs 9.5%
100% Ideal Line of Credit/Line Plus Variable N/A 9%
80% Standard Closed End Term Fixed 5 Yrs 5.49%
80% Standard Closed End Term Fixed 10 Yrs 5.99%
80% Standard Closed End Term Variable 15 Yrs 6.99%
80% Standard Closed End Term/Balloon Fixed 30 Yrs 7.25%
80% Standard Line of Credit/Line Plus Variable N/A 4.25%
Home Equity No Fee First Mortgage 80% LTV Fixed 5 Yrs 4.99%
Home Equity No Fee First Mortgage 80% LTV Fixed 10 Yrs 5.49%
Home Equity No Fee First Mortgage 80% LTV Variable 15 Yrs 6.25%
Home Equity No Fee First Mortgage 80%LTV/Balloon Fixed 30 Yrs 6.99%
Rates Effective July 01, 2010

Payment Example

Government Loan Rates
Type Rate APR
FHA 30-year 4.5% 4.7957%
Utah Housing FHA 4.75% 4.9728%
Utah Housing VA 4.75% 4.9728%
VA 30 year 4.5% 4.7421%
Rates Effective July 30, 2010

Payment Example

Specialty Loan Rates
Type Rate APR
Home Construction - Contractor Built 6% 12.7826%
Home Construction- Self Build 6.75% 13.6416%
Lot Loan- 10 Year ARM 6% 6.2653%
Lot Loan- 10 Year Fixed 7.25% 7.5194%
Lot Loan- 20/5YR ARM Balloon 6.5% 6.8003%
Lot Loan- 20/5YR Balloon Fixed 7.75% 8.0541%
Lot Loan- 30/5YR ARM Balloon 6.75% 7.0289%
Lot Loan- 30/5YR Balloon Fixed 8% 8.2953%
Rates Effective January 15, 2010

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