Home is where the heart is
The equity in your home can be used for more than home improvements. Consolidate debt, go on vacation, purchase a vehicle, pay for college expenses and more! We even have an option where no equity is required! We know, it’s pretty awesome.
All Prospera home equity loans include:
- Competitive rates
- Free 24-hour online, mobile and telephone account access, eStatements, Text Banking, and eAlerts
- Optional Payment protection (your payment is covered in the unlikely event you become sick or injured)
Home Equity Line of Credit Rates
Apply For Home Equity Line of Credit| LOAN TYPE | APR1 (as low as ) | TERM |
|---|---|---|
| LOAN TYPE: 80% LTV or less | APR1 (as low as ): 1.99% | TERM: 12 month Fixed Intro Rate2 |
| LOAN TYPE: | APR1 (as low as ): 3.25% | TERM: Then variable rate as low as 2 |
| LOAN TYPE: 80% LTV or less | APR1 (as low as ): 4.00% | TERM: 5 year Intro Rate3 |
| LOAN TYPE: | APR1 (as low as ): 4.00% | TERM: Then Variable rate as low as3 |
| LOAN TYPE: Up to 90% LTV | APR1 (as low as ): 5.25% | TERM: Variable rate as low as 4 |
| LOAN TYPE: Up to 100% LTV or less | APR1 (as low as ): 8.25% | TERM: Variable rate as low as 5 |
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1APR = Annual Percentage Rate 2After the 12 month introductory period, the rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18%. During the introductory and 10 year draw period, the minimum monthly payment will be (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. 3After 5 year introductory period, the rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 4%. During the introductory period, the minimum monthly payment will be (a) $50 or (b) 1%outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score. 4The rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 5%. Minimum monthly payment will be (a) $50 or (b) 1.5% outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. 5The rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 8%. Minimum monthly payment will be (a) $50 or (b) 1.5% outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. Rates as of 04/01/2021 at 9:59 AM. Subject to change without notice. |
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Home Equity Loan Rates
Apply For a Home Equity Loan| LOAN TYPE | APR1 (as low as) | PAYMENT PER $1000 | TERM |
|---|---|---|---|
| LOAN TYPE: 80% LTV or less2 | APR1 (as low as): 3.00% | PAYMENT PER $1000: $17.97 | TERM: 5 year |
| LOAN TYPE: 80% LTV or less2 | APR1 (as low as): 3.86% | PAYMENT PER $1000: $18.36 | TERM: 5/ARM2 |
| LOAN TYPE: Up to 90% LTV | APR1 (as low as): 4.75% | PAYMENT PER $1000: $18.76 | TERM: 5 year |
| LOAN TYPE: Up to 100% LTV | APR1 (as low as): 7.75% | PAYMENT PER $1000: $20.17 | TERM: 5 year |
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1APR = Annual Percentage Rate Rates as of 04/01/2021 at 9:50 AM. Subject to change without notice. |
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Homeowner Multipurpose Loan
Apply for a Homeowner M/P Loan| LOAN TYPE | APR1 (as low as) | PAYMENT PER $1000.00 | TERM |
|---|---|---|---|
| LOAN TYPE: Installment (Lump Sum) | APR1 (as low as): 7.24%2 | PAYMENT PER $1000.00: $15.22 | TERM: Up to 84 Months3 |
| LOAN TYPE: Personal Line of Credit3 | APR1 (as low as): 7.25%2 | PAYMENT PER $1000.00: Payment is 1.5% of outstanding balance | TERM: Variable Line of Credit3 |
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1APR = Annual Percentage Rate Rates as of 04/01/2021 at 9:29 AM. Subject to change without notice. |
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¹ APR = Annual Percentage Rate