Home Equity Products

Home Equity Products


*4.75% | Prime - .25% | Long-term Variable APR

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Home Equity Lines of Credit*

Loan Amount Rate APR
$25,000 - $1,000,000 Prime Rate - .25%

4.75%
(Featured Rate)

$25,000 - $1,000,000 Prime Rate +.25% 5.25%

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
$25,000 - $1,000,000 5 Years 5.25% $18.99 per Thousand
$25,000 - $1,000,000 10 Years 5.75% $10.98 per Thousand
$25,000 - $1,000,000 15 Years 6.00% $8.44 per Thousand
$25,000 - $1,000,000 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 Annual Percentage Rate (APR) of 4.50%. 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 4.75% or more than 18.00 % per annum on our featured Home Equity Line of Credit Rate and less than 5.25% or more than 18 % on other programs. Subject to credit approval. No points.

Advertised rates are available for lines of credit between $ 25,000 and $1,000,000 on 1 to 4 family owner occupied properties with a combined loan to value ratio (CLTV) of 80% or less as determined by an appraisal acceptable to the lender and FICO score of applicants. If the credit line requests exceeds $ 250,000, a certified full appraisal will be required. An appraisal fee of up to $ 600.00 may apply. On lines of credit made to Real Estate Trusts a non-refundable attorney review fee of $ 150.00 will be assessed. Title search is paid by the bank unless the amount borrowed is greater than $ 750,000, then applicant may incur a title search fee of up to $ 300. Hazard 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, recoup of bank paid closing costs may be applied. 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 to 4 family properties with a combined loan to value (CLTV) of 80% or less as determined by an appraisal acceptable to lender and FICO score of applicants. If the loan amount request exceeds $ 250,000, a certified full appraisal will be required. An appraisal fee of up to $ 600.00 may apply. On home equity loans made to Real Estate Trusts a non-refundable attorney review fee of $ 150.00 will be assessed. Title search is paid by the bank unless the amount borrowed is greater than $ 750,000, then applicant may incur a title search fee of up to $ 300. Hazard 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.