For the New Homeowner
As a new home owner, or as someone who placed less than 20% down on their home purchase, you can borrow the full amount of your equity by applying for the "100%LTV" Home Equity Line of Credit.

The "100%LTV" Equity Line of Credit can turn your new home purchase into your personal dream home.

Here's how?:

·  modernize your kitchen
·  purchase new appliances
·  redesign the family room
·  finish some major repairs

And while you're at it —

·  consolidate your bills
·  pay off moving expense
·  you decide: ________________

Your "100%LTV" Home Equity Line of Credit is the right tool for new home owners.

It allows you the financing power to improve your home with the least cost and maximum return. Let's see how much.Simply advance yourself funds by writing a check.

You will pay interest only on the amount you borrow, which interest cost may be deducted from your taxes if you qualify. Consult your tax advisor for information — we have an effective interest table that illustrates your potential savings.

You can use your home equity line whenever you need. It's like becoming your own banker. Simply advance the funds you need ... when you need ... as you need.

• get a line of credit:
  open a line of credit up to your approved LTV level — calculate how much you can borrow
  
  
• anytime access:
  access your account as you need . . . when you need
  
  
• payment flexibility:
  pay minimum monthly payments or any additional amount when you have extra cash
  
  
• re-use the line as needed:
  pay down the account to zero with no prepayment charges and reuse the line over again up to your approved available balance
  
  
• tax benefits:
  deduct interest charges from your taxes if you qualify — view your effective tax rate savings
  
  
• competitive rates:
  get competitive adjustable rates as low as the PRIME RATE — see our rate page for information
  
  
• benefits can vary:
  benefits may vary by lending institution: view our summary notes of product features and terms