APR=Annual Percentage Rate. The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. 1All loans are subject to property valuation, limited to one-to-four family units located in the state of California, excludes manufactured and mobile homes. Other restrictions on the property may apply. Loans secured by your home other than your first mortgage must be paid at the time of account funding. Property insurance required. 2 Flood insurance may be required. Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan paid off or closed within the first 36 months. 3Consult your tax advisor.