Home Equity Loan Benefits
Our standard home equity loan can be used for the same purposes as a line of credit. The main difference is funds are given in one lump sum and a loan has a fixed interest rate and fixed monthly payment. Note, the rates and terms listed in this table are for loans in the second lien position, meaning you have an existing mortgage, loan, or line on your property and do not intend to pay it off with this new loan.
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10 Year Terms
Loan Amount | Term | APR* |
---|---|---|
$10,000 - $49,999 | 10 Years | View Rates > |
$50,000 - $99,999 | 10 Years | View Rates > |
$100,000 - $399,999 | 10 Years | View Rates > |
$400,000+ | 10 Years | View Rates > |
15 Year Terms
Loan Amount | Term | APR* |
---|---|---|
$10,000 - $49,999 | 15 Years | View Rates > |
$50,000 - $99,999 | 15 Years | View Rates > |
$100,000 - $399,999 | 15 Years | View Rates > |
$400,000+ | 15 Years | View Rates > |
20 Year Terms
Loan Amount | Term | APR* |
---|---|---|
$10,000 - $49,999 | 20 Years | View Rates > |
$50,000 - $99,999 | 20 Years | View Rates > |
$100,000 - $399,999 | 20 Years | View Rates > |
$400,000+ | 20 Years | View Rates > |
*Rates listed above include all discounts and are effective as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change at any time. For important additional information including how to obtain these rates, see full disclosures below.