Vectra Bank Colorado

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Home Equity Line of Credit - 1.99% Fixed Introductory APR for the First 9 Months – Variable APRs From 4.49% to 4.99% Thereafter*

Home Equity Line of Credit - 1.99% Fixed Introductory APR for the First 9 Months  – Variable APRs From 4.49% to 4.99% Thereafter
Home Equity Line of Credit - 1.99% Fixed Introductory APR for the First 9 Months  – Variable APRs From 4.49% to 4.99% Thereafter

With competitive rates and flexible terms a Vectra Bank Home Equity Line of Credit may be the ideal solution for you. March 6 – June 2, 2017, Vectra Bank is offering a Home Equity Line of Credit with a fixed introductory rate for the first 9 months with only $99.00 in closing costs for loans up to $250,000.*

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If you have questions or prefer to apply over the phone, please call us at 844–210–3604. You can also visit one of our personal bankers at a branch near you!

**Important Details**
* Loans subject to credit approval. Terms and conditions apply. Offer applies to new home equity line of credit applications taken between March 6, 2017 and June 2, 2017. Loan must close by July 31, 2017. Minimum line amount is $5,000. Annual fee is $75 after first year. Checks written for less than $250 are subject to a fee of $15. Collateral must be owner-occupied single family residential property, a secondary residence, or vacation property. Property insurance required. Investment properties are not eligible. Offer subject to change any time. Advertised APRs are current as of 03/16/17. APRs are subject to change without notice. The advertised 1.99% introductory APR is fixed for the first nine billing cycles. After the introductory period, variable APR of 4.49% - 4.99% based on credit-worthiness and other factors. Post introductory variable APR is based on the Wall Street Journal Prime Rate (4.00% as of 03/16/17) plus a margin. The minimum variable APR will not be lower than 4.00% and the maximum APR will not exceed 21%. The advertised post introductory period APR reflects the variable rate of 4.00% + .49% up to 4.00% +.99% depending on a customers current credit score and a first lien position. Post introductory APRs for lines with a second lien position will be .25% higher. $99.00 in origination fees and closing costs is a flat fee for loans less than $250,000. For loan transactions $250,000 to $500,000, the client is responsible for all closing fees except the origination fee. For transactions that exceed $500,000, the client is responsible for all closing costs and the origination fee. Origination fees and closing costs may range from $325-$3,600 depending on line amount and other factors. Other terms and conditions apply. Other rates and terms are available. Contact bank for details.

See Home Equity Credit Line Terms and Disclosures. NMLS #467014