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Home Equity Line of Credit

 

 

Every project starts with a story … a room begging for a makeover, a kitchen in need of new appliances or a wedding in the works. Unlock your home’s equity with today’s low rates and turn your story into reality.

Here's OUR STORY on Home Equity Lines of Credit:

2.29%* APR for the first 12 months
AND THEN AS LOW AS
 3.25%* APR

 

*The promotional rate of 2.29% APR is available for the first 12 months. After the promotional period, the APR is the Wall Street Journal Prime minus 0.25%* for the life of the line. Rate will not go below 3.25% APR. APR effective as of 3/4/16 on home equity lines of $25,000 and above and is subject to change.

For More Information

To learn more, call the Cardinal Loan Center at 703.246.7347.

 

Apply Today

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Apply for A Home Equity Line of Credit Today.

Visit a Cardinal banking office near you or

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Questions?

Call the Cardinal Loan Center at 703.246.7347. 

 

 

 

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*Terms and Conditions: Limited time offer. Annual Percentage Rate (APR) effective as of 4/1/16 on Home Equity Lines $25,000 and above and is subject to change. New Lines of Credit only. *With Auto Debit of Minimum Monthly Payments from a Cardinal Bank deposit account: The 2.29% APR is valid for twelve months. After the initial twelve months, the interest rate adjusts to a variable rate equal to the Wall Street Journal Prime Rate minus 0.25% (current APR 3.25%). The minimum APR will not go below 3.25% and the maximum APR will not exceed 24%. After the initial twelve months, the rate is subject to change monthly based upon changes in the Wall Street Journal Prime Rate. Direct debit of minimum monthly payments from a Cardinal Bank account is required to obtain this product at this rate. Without Auto Debit of Minimum Monthly Payments from a Cardinal Bank deposit account: The 2.29% APR is valid for twelve months. After the initial twelve months, the interest rate adjusts to a variable rate equal to the Wall Street Journal Prime Rate plus 0.25% (current APR 4.75%). The minimum APR will not go below 4.75% and the maximum APR will not exceed 24%. After the initial twelve months, the rate is subject to change monthly based upon changes in the Wall Street Journal Prime Rate. No direct debit is required. Available for principal residences only located in the Washington metropolitan area. Cooperatives and purchase money loans are not eligible. Rates apply to loan-to-value ratios of up to 80% when the appraised value is $750,000 or less, 75% when the appraised value is $750,001 to $1,250,000, 70% when the appraised value is between $1,250,001 to $1,500,000 and 65% when the appraised value is between $1,500,001 to $2,000,000. There is a 65% maximum LTV for First Trust lines of credit. Property insurance is required. No closing costs offer is for standard lines up to $250,000. Title insurance and/or appraisal may be required. We cap the maximum property value at $2,000,000. If you close your account within 36 months, closing costs must be reimbursed. The minimum line amount is $25,000. A minimum initial advance of $10,000 is required for standard loan closing costs to be covered by Cardinal Bank on loan amounts up to $250,000. Offers subject to credit approval and are for new accounts only. Other products and terms may exist for applications which do not qualify under above conditions. Interest paid on home equity account may be tax deductible. Consult your tax advisor regarding tax advantages. Existing HELOC Customers may modify to the new lower APR for a fee of $500.00 (requires completion of a new credit application). Introductory rate is not offered for these modification requests. The Home Equity Line of Credit product has an annual $50 fee.

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