Home Equity Products

Home Equity Products


*4.24% | Prime - .76% | Long-term Variable APR

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Home Equity Lines of Credit*

Loan Amount Rate APR
$35,000 - $74,999 Prime Rate + 0.99%

5.99%

$75,000 - $149,999 Prime Rate - 0.01% 4.99%
$150,000-$349,999 Prime Rate - 0.51% 4.49%
$350,000-$1,500,00 Prime Rate - 0.76%

4.24%
(Featured Rate)

PRIME RATE IS 5.00% AS OF JUNE 14, 2018

Pay for virtually anything. Whether you’re dealing with unexpected expenses, renovating your home, or you’re ready to pay off your tuition, a credit line could be a good option. With a line of credit, you can access funds whenever you need them up to your available credit limit. Access as little or as much of your credit line as you need, and continue to use it as you repay. Flexible payment options put you in control.

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Home Equity Loan Rates**

Loan Amount Term APR Monthly Payment Per Thousand
$35,000 - $1,500,000 5 Years 5.25% $18.99 per Thousand
$35,000 - $1,500,000 10 Years 5.75% $10.98 per Thousand
$35,000 - $1,500,000 15 Years 6.00% $8.44 per Thousand
$35,000 - $1,500,000 20 Years 6.25% $7.31 per Thousand

When you want to borrow a specific amount for a one-time need–whether you're looking to upgrade appliances, buy a car, or consolidate debt—then a bank loan may be your best solution. Our loans offer predictable monthly payments, competitive interest rates and a variety of payment options.

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*Home Equity Line of Credit Rates
Featured Home Equity Line of Credit Rate requires monthly automatic repayment from a HarborOne savings or checking account. As of 6/14/2018 the Prime Rate is 5.00% resulting in a full indexed APR*** of 4.24%. Termination of automatic repayment option will result in an undiscounted rate. Other HELOC programs offered by HarborOne do not include an automatic repayment feature. APR is subject to change and may increase after consummation. The corresponding APR will never be less than 4.24 % or more than 18.00% per annum on our featured Home Equity Line of Credit Rate. Subject to credit approval. No points.

Advertised rates are available for lines of credit between $ 35,000 and $1,500,000 on 1 to 4 family owner occupied and second/vacation homes with a combined loan to value ratio (CLTV) of 80% or less as determined by the property type, an appraisal acceptable to the lender and acceptable FICO score of applicants. No closing costs except for properties held in a Real Estate Trust or a Life Estate. A non-refundable attorney review fee of $ 150.00 or $ 100.00 respectively will be assessed on Real Estate Trusts and Life Estates. Hazzard insurance is required. Flood insurance may be required. Deductibility of interest is not guaranteed, consult your tax advisor. If you pay off the entire balance and close your line of credit account within 36 months of consummation, there will be a $575.00 Early Termination Fee.  Annual fee of $50.00 (waived the first year). Other terms and restrictions may apply. Offer subject to change without notice.

**Home Equity Loan Rates
The Annual Percentage Rate (APR) quoted is as of 6/14/18. Offer available for owner occupied 1-4 family, and second/vacation homes with a combined loan to value (CLTV) of 80% or less as determined by the property type, an appraisal acceptable to lender and acceptable FICO score of applicants. No closing costs except for properties held in a Real Estate Trust or a Life Estate. A non-refundable attorney review fee of $150.00 OR $ 100.00 respectively will be assessed on Real Estate Trusts and Life Estates. Hazzard insurance is required. Flood insurance may be required. Deductibility of interest is not guaranteed, consult your tax advisor. Loan product only available on homes with an existing first mortgage lien. Offer subject to change without notice. Subject to credit approval. No points.

***Annual Percentage Rate

9118

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