Home Equity Loan (Second Mortgage) Disclosure

Rates, terms and conditions are subject to change. All loans are subject to credit approval. Contact Huntington Federal Savings Bank (HFSB) for specific eligibility requirements and guidelines. APR = Annual Percentage Rate. APR applies towards a mortgage loan on your owner-occupied residential property. HFSB will not accept a lien position that is secondary to another lender or lienholder. A maximum combined loan to value of 90%. For example: HFSB first mortgage loan balance of $62,500 and a consumer loan request of $50,000 and an appraised value of $125,000 would have a combined loan to value of 90%.

Representative examples:

A $50,000 loan with an APR of 4.808%, a 3-year term would have a monthly payment of $1,492.94. Monthly payment does not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater.

A $50,000 loan with an APR of 5.026%, a 7-year term would have a monthly payment of $706.70. Monthly payment does not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater.

A $50,000 loan with an APR of 5.267%, a 12-year term would have a monthly payment of $468.74 Monthly payment does not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater.