3.49% APR* | 15-Year Home Loan Special





1 Annual Percentage Rate (APR) is current as of 03/06/2020 and subject to change without notice. Auto-payment from a Standard Bank checking account is required to receive 0.86 percentage point loan rate discount as shown in advertised rate. Loan must be a minimum of $150,000 (existing customers must increase their loan by $20,000 to qualify), and may be a first or second lien position on a 1-4 family owner-occupied dwelling with a loan-to-value (LTV) of 89.9% or less. Home equity loan APR shown is applicable for $150,000 at 180 months from the date of closing for qualified applicants with a debt ratio of 40% or less. The monthly payment difference for loan amounts $150,000 to $510,400 per $1,000 borrowed on a 180 month loan is $7.14. Closing costs may range from $395 to $850. Additional closing costs may pertain to certain properties including: An appraisal for loan amounts in excess of $250,000 and title insurance for loan amounts in excess of $400,000. Applicable recording stamps for the State of Maryland must be paid by the borrower. Standard underwriting guidelines apply. Consult your tax advisor about the deductibility of interest. NMLS #441399

2 New and existing checking account customers are eligible when they: 1) close on a new home equity loan and 2) set up and have a qualifying direct deposit of $1,500 or more within 60 days of loan closing. Home equity loan proceeds cannot qualify as the direct deposit. $150 bonus will be deposited into customer’s Standard Bank checking account within 30-60 days after qualifications are met. Accounts closed out within 60 days of loan closing will not be eligible for the bonus. Bonus may be reported to the IRS. Effective for loans dated on or after 03/01/2020 and subject to change without notice. Promotion ends 08/31/2020 or when a $15,000 maximum promotion payout has been met. Member FDIC

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