1APR=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. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us as of the day of any APR adjustment. APR assumptions are based on a line amount of $25,000. 2 All loans are subject to appraisal, owner-occupied properties limited to one-to-four units located in the state of California. Excludes manufactured and mobile homes. Other restrictions on property may apply. Loan secured by your home other than your first mortgage must be paid at time of account funding. Rates, APR and terms and conditions subject to change without notice. 2Flood insurance might 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. Loans in excess of 80% combined loan to value (LTV) are not available. 3Consult your tax advisor.