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Te loan - your interest rate and your payment stay the same for the life of your loan. The loan can be written with a repayment schedule from 6-15 years, and it's secured by a mortgage on your home. Closed Term - Primary Residence and Second Home Line of Credit - Primary Residence and Second Home Closed Term - 1 to 4 Family Investment Property Line of Credit - 1 to 4 Family Investment Property Closed Term - Primary Residence and Second Home The Home Equity Loan is a fixed-rate loan - your interest rate and your payment stay the same for the life of your loan. The loan can be written with a repayment schedule from 6-20 years, and it's secured by a mortgage on your home. Rates posted 11 8 2006, but may change at any time. Type LTV PaymentPeriod(Years) APR Monthly Paymentper $1000 Borrowed Fixed < 90% 6 6.50% $16.81 Fixed < 90% 10 6.75% $11.48 Fixed < 90% 15 7.00% $8.99 Fixed < 90% 20 7.25% $7.90 Line of Credit - Primary Residence and Second Home The Home Equity Line of Credit product has an adjustable rate feature. The Annual Percentage Rate is based on the Prime Rate, as published in the Wall Street Journal Money Rate section, and may adjust monthly. The maximum Annual Percentage Rate that may apply within the life of the loan is 18%. Our Line of Credit offers a 12-year draw period and a 15-year repayment period after your draw period expires. Rates posted 11 8 2006, but may change at any time. Type LTV PaymentPeriod(Years) APR Monthly Paymentper $1000 Borrowed Line of Credit <= 80% 27 Prime - 0.25%(8.00%) Line of Credit < 90% 27 Prime(8.25%) Closed Term - equity home


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equity home loan rate vermont R variable line of credit (2) View Current Rates > NSB offers two different types of Home Equity loans... with different rate options and terms depending on your time horizon for repayment, the amount you borrow, and the value of your home. And we make it easy to apply! Contact a lender at your nearest NSB branch for an application package, or proceed below to download the forms you will need. 1. Home Equity Loan with Fixed Rate and Monthly Payments This loan can be written with a fixed repayment schedule, and it's secured by a mortgage on your home. This is a fixed-rate loan: your interest rate and your payment stay the same for the life of your loan. We offer several rate options, depending on your repayment terms and your loan to value ratio (LTV). Loan to value ratio is the dollar amount of the outstanding mortgage(s) on your home, expressed as a percentage of the appraised value of your property. Click here to download our application. 2. Home Equity Line of Credit This is a varia