Home Equity Loans

When you need a loan, a Home Equity Loan or Home Equity Line of Credit is often your best borrowing choice. Use your home's equity (your home's value less any outstanding home loans) to borrow for any purpose, such as:

  • Home improvements
  • Education expenses
  • Medical expenses
  • Consolidate bills into one low payment

Home Equity (Fixed Term)

Term1                                                              
          APR             
         Pmt/$1,000       
Up to 60 months
         3.29%            $19.20
84
         4.29%            $14.95
120
         4.49%
           $11.57
180          5.69%            $8.28
240          6.90%            $7.70

Home Equity Line of Credit (HELOC)

                                           
APR 
 Locked for 12 Months
1.99%2
 then as low as 3.99%



Mortgage Refi Express3

Term APR Points Pmt/$1000
10-Year 2.99% 0.00% $9.66
12-Year 3.125% 0.00% $8.34



Homeowner’s insurance required. Rates and terms subject to change. Appraisal cost of $85 to $350 required at time of application. Appraisal cost is refunded, and additional closing costs of $350 are waived at closing for closed, less than or equal to 80% LTV, owner-occupied primary residence Home Equity or Line of Credit loans with a balance/limit of $10,000 to $200,000 when the home is not listed for sale. Rates and terms subject to change. Members who (i) have an existing Landmark Equity Loan/Line of Credit or (ii) have had a Landmark Equity Loan/Line of Credit on the same home in the previous 12 months are not eligible for advertised terms. Different rates and terms available.

† Payments on loans with terms up to 120 months include single Credit Protection coverage. Joint Credit Protection coverages are also available for loans with terms up to 120 months. 

1Fixed rates apply to owner-occupied homes with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Additional rates and terms are available. Loan rates without Auto Pay are ¼% higher. Monthly payments of a 5-year, 80% LTV loan at 3.29% APR would be $19.20 per $1,000 borrowed. Minimum loan amounts may apply. Excludes Landmark refinances.

21.99% APR available on loans for owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Rate is variable. Additional rates and terms are available. Rate is locked for 12 months, then set at Prime (recently 4.25%) minus 0.50 percentage points, or 3.99% APR, whichever is higher. Rate is subject to change after 12 months from closing date, and thereafter on the first business day after the effective date of any change in the Prime Rate as published in the Wall Street Journal. Interest only payments are available for the first 10 years; outstanding balance will then amortize based on the variable rate to be repaid in monthly payments over 180 months. Maximum rate 20%. Minimum credit line is $5,000. Early termination fee applies. **Fixed rates apply to owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Loan rates without Auto Pay are 1/4% higher. Additional rates and terms are available. Monthly payments for a 5-year, 80% LTV loan at 3.29% APR would be $19.20 per $1,000 borrowed. Minimum loan amounts apply. Excludes Landmark refinances.

3Mortgage Refi Express is available to refinance home loans of $250,000 or less with loan-to-value ratio of 70% or less. Qualifying credit score required. Other programs may be available for non-qualifying credit scores and loan-to-value ratios. Available on single-family, owner occupied homes. Escrow account not available. Other restrictions may apply. Rates and terms are subject to change.  Example: for an 10-year mortgage at 2.99% APR, payment would be $9.66 per $1,000 borrowed. Actual payments may be higher with property taxes and home owner's insurance. A non-refundable application fee of $85 is required at time of application.  Document exceptions and closing date availability may extend closing beyond 10 business days.  Existing Landmark Mortgage Refi Express loans do not qualify.