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Home Loan Refinance
Home > Borrow > Real Estate Loans > Home Loan Refinance

Is your home loan meeting your current needs?

Many factors can change in the years after you take out your original mortgage or home equity loan, and many of them are a good reason to consider home equity refinancing. Our staff is trained to help you find the lending solution that best meets your individual needs.

Refinancing your home loan from another lender can help you:

Ready to Refinance? APPLY NOW

 

Home Equity Loan Rates
Effective Date: February 7, 2018
TermAPR* (Fixed Rates as low as)Monthly Payment per $1000
1st LIEN-HOLDER POSITION
5 Year (60 month) 3.50% $18.20
10 Year (120 month) 3.74% $10.01
15 Year (180 month) 4.25% $7.53
2nd LIEN-HOLDER POSITION
5 Year (60 month) 3.74% $18.31
10 Year (120 month) 5.00% $10.61
15 Year (180 month) 5.74% $8.31
Minimum Loan Amount: $10,000 | Maximum Loan Amount: $250,000
Maximum Loan to Value (LTV) up to 80%

Home Equity Line of Credit
Premier Plan*Preferred Plan*
2.49% APR
Variable Rate Plan:
3.49% APR
Variable Rate Plan:
Initial rate is discounted for the first 36 months, thereafter prime rate
plus 0% for the life of the loan
Initial rate is discounted for the first 36 months, thereafter prime rate plus 1.00% for the life of the loan
Annual interest rate review, 2% annual adjustment cap with a maximum rate of 15.00%, and a floor of 4.00%, except for the introductory rate offered Annual interest rate review, 2% annual adjustment cap with a maximum rate of 15.00%, and a floor rate of 5.00%, except for the introductory rate offered

*Current Prime Rate as of March 27, 2018 is 4.75%.

20 Year Repayment Period | 10 Year Draw Period

Minimum Line of Credit Amount: $10,000 | Maximum Line of Credit Amount: $250,000
Individual credit qualifications will determine your plan and rate.
Index is the Prime Rate as published in the Wall Street Journal 30 days prior to the anniversary date.

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Drive Down Your Rate - Refinance

“I recently had the pleasure of working with TCT on a home equity loan that consolidated my mortgage, second mortgage, and credit card debt. I now save over $1,100 monthly without extending the remaining time on my mortgage loan. Talk about a lifesaver!”

— William G.

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