Offer is subject to credit approval. Offer may change without notice. 1. Introductory Annual Percentage Rate (APR) of .99% for first three (3) months. After introductory period, rate is adjustable and subject to change monthly with Prime Rate as published in the Wall Street Journal. Current Annual Percentage Rate (APR) in effect is 7.75% as of 12/3/2024. Maximum APR of 18.00%. Maximum loan-to-value of 80%, add 1.00% for loan-to-values exceeding 80% up to 90%. 2. Term of 15 years with monthly interest-only payments or $50, whichever is greater. If only minimum payments are made, final payment may result in a balloon payment. (Example: $10,000 balance, APR of 6.00%, 179 payments of $50, final balloon payment of $10,050.00) Annual maintenance fee of $50. Property insurance is required. Consult a tax advisor for possible tax deductibility of interest.