HELOC or Home Equity Loan
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All home lending products are subject to credit and property approval, documentation, collateral, and other requirements. Advertised rates, program terms, and conditions are subject to change without notice. HELOCs are only for primary residences and must be a second lien on the home. Existing (outstanding) mortgage balances plus the credit limit of a HELOC cannot exceed 95% of the fair market value of your home. HELOC APR is based on the Wall Street Journal prime rate (8.50% as of 3/19/2024), plus or minus a margin. HELOC APR will never be more than 14.00% or less than 6.00%. HeLoan APR will not exceed 14.00% or be less than 6.00%. For either, your APR will be based on several factors including: credit score; credit history; loan-to-value (LTV) ratio; property type; loan amount; and lien status. Grand Bank for Savings, FSB, and its representatives do not provide tax or legal advice; please consult your tax and/or legal advisor(s) for such advice.
See separate disclosures for each loan listed in this brochure for more details. Loans may require escrow of taxes, insurance, and other assessments. All loans are subject to credit approval. Subject to additional terms and conditions. Rates & underwriting guidelines are subject to change without notice. Income and location restrictions may apply to some loan programs. Contact a Grand.bank home lender for current details.
Grand Bank does not charge a fee for our Mobile Banking App or Online Banking, however, third-party fees for internet, messaging, or data plans may apply. Contact your wireless service or internet provider for more details. Additional terms and conditions may apply.
Important Information About Procedures for Opening a New Account or Establishing a New Customer Relationship:
The USA PATRIOT Act is a federal law that helps the government fight the funding of terrorism and money laundering activities. Federal law requires all U.S. financial institutions to obtain, verify and record information that identifies each person who opens an account or establishes a customer relationship with Grand Bank for Savings, FSB. What this means for you: When you open a bank account, we will ask you for your name, address, date of birth, and other information that will allow us to reasonably identify you. We may also ask to see your driver’s license or other identifying documents at any time.