ChoiceLine Home Equity Line of Credit

*Individual rates may vary. Rates, terms and conditions are subject to change and may vary based on creditworthiness, age and condition of collateral, and product selected. All loans subject to approval. Annual Percentage Rate (APR) on ChoiceLine Equity is as low as 7.50% based on a maximum 80% loan-to-value on a borrower's stick built primary residence. Higher APR on manufactured homes classified as real property and on loan-to-values exceeding 80%. The variable APR is subject to change monthly, based on The Wall Street Journal Prime Rate, and will not exceed 18% over the life of the line. Draw period for line is 10 years. Value method and cost determined during application process. If a property appraisal is required borrower pays for appraisal costs. Fixed advances may be taken under the line for a fixed term and APR; ask us for current rates, terms and applicable charges. Property insurance is required. Borrower is responsible for any escrow fees if a home equity line requires closing in escrow; applicable charges will be disclosed prior to closing. Property must be owner occupied and located in the states of Washington or Oregon. For details, please contact TwinStar Credit Union at 800.258.3115. Appraisals for a single unit property range from $750-$800. Range of variable rates = 7.50%-9.50%.