Home Equity Loans & HELOCS Tap into your home equity to pay off debt or invest in home repairs

Finance Home Improvements with a "Honey Do" HELOC

Are you sick of that 1970s bathroom tile? Still dream of that outdoor kitchen? Want to finally replace the roof or get to other major home projects?

Knock out that “Honey Do” list with a flexible HELOC from 121 Financial with a rate as low as 3.75% and no closing costs when your initial draw is over $20,000. Borrow up to 90% of loan to value and get to work.

  • Borrow up to 90% of your home's appraised value.
  • No closing costs option when with an initial advance of at least $20,000.
  • Choose your free gift after closing: a wheelbarrow, power drill, sawhorse or sledge hammer.

LOAN AMOUNT: Up to 90% of Loan to Value

INTEREST RATE: As low as 3.75% APR*

*APR = Annual Percentage Rate. Variable rate tied to Wall Street Journal Prime Rate plus a margin. Rate is based on Prime plus .50% and changes when Prime changes. The margin used will depend on your individual creditworthiness. Prime rate is 3.25% as of March 16, 2020. Floor rate 3.50% and maximum rate 18.00%. No closing costs option when you get an initial advance of at least $20,000 at closing. All rates and terms are subject to change without notice. Other restrictions may apply.

**No closing costs option when you receive an initial advance of at least $20,000. If you close your account or pay more than the minimum payment during the first 12 months, we will add any closing costs we paid on your behalf to your outstanding balance.

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