*APR= Annual Percentage Rate. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate.  Rate and APR may vary and are subject to change based on several factors, including, but not limited to, loan amount, loan program, occupancy, property type, loan to value, credit score, creditworthiness, qualification, and collateral conditions.  Your rate and APR may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.

¹Home Equity Line of Credit (HELOC) with Introductory (Intro) Rate. Requires minimum initial draw of $25,000 (or $25,000 plus any balance on existing Kinecta home equity loan) at time of closing. This is a variable-rate line of credit. The APR is based upon The Wall Street Journal Prime Rate index plus a margin. The initial APR is not based on the index and margin used for later rate adjustments. It is based on an initial discounted rate that will be in effect for 6 months.  Your rate may increase, or decrease based on adjustments to Prime Rate, which could change multiple times during the life of the loan.  The rate and APR range is 4% minimum to 18% maximum. As of 10/30/2025 Prime Rate is 7.000%.  This program includes a 10-year draw period followed by a 20-year repayment period.  The minimum loan limit is $25,000 and the maximum loan limit is $500,000.  Early termination fee (as allowed by subject property state) of $995 if HELOC is terminated/closed within 36 months of opening. HELOC not available in Texas.

²Home Equity Line of Credit (HELOC). No initial draw at closing required. This is a variable-rate line of credit. The APR is based upon The Wall Street Journal Prime Rate index plus a margin. The initial APR is based on the current index and margin. Your rate may increase, or decrease based on adjustments to Prime Rate, which could change multiple times during the life of the loan.  The rate and APR range is 4% minimum to 18% maximum. As of 10/30/2025 Prime Rate is 7.000%.  This program includes a 10-year draw period followed by a 20-year repayment period.  The minimum loan limit is $20,000 and the maximum loan limit is $500,000.  Early termination fee (as allowed by subject property state) of $995 if HELOC is terminated/closed within 36 months of opening. HELOC not available in Texas.

³Equity Fixed Rate Loan. This is a fixed-rate loan.  The full loan amount is funded at origination. The minimum loan amount is $20,000 and the maximum loan amount is $500,000. 

Important Information. All loans are subject to approval. Rate, terms, and conditions are subject to change and may vary based on credit worthiness, income qualification, and collateral conditions.  Loan secured by a lien against your property. Maximum combined-loan-to-value (CLTV) may not exceed 85%.  An appraisal paid by you is required if loan amount is equal to or greater than $400,000 or with if CLTV is greater than 80% or if property value exceeds $2 million and CLTV equal to or greater than 50%.  Appraisal fees vary and range from $550 to $850 although may be more based on location or complexity of the property. Available for primary residences only.  Proof of homeowner’s property insurance is required, and flood insurance may be required if applicable.  Subject to Loan Processing fee of $195.

⁴Tax deductions. Consult a professional tax advisor regarding deductibility of interest and charges.