*Subject to credit approval. Annual Percentage Rate (APR) is accurate as of the date of publication and is determined at our discretion. The rate is fixed at the stated APR provided you allow us to automatically debit the payment from your account with us, and you do not cancel that automatic debit during the life of the loan. Minimum credit report beacon score of 660 required. Maximum loan-to-value ratio (LTV) (loan amount divided by our appraised value of your home) is 85%. Documentation fee is due at the time of account opening. If only the minimum required payments are made, a balloon payment will result at the end of the loan term. You are responsible for property insurance (and flood insurance, if applicable) for the property securing your loan. Only your primary residence will qualify for this product. Other terms and conditions may apply and are subject to change without notice. Consult your tax advisor regarding deductibility of interest.