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HELOC’s are adjustable rate notes that are tycllaipy tied to prime rate. You could have prime or prime +1 or 2 or 3.It is a revolving loan just like a credit card. Your monthly payment will be figured on what ever prime is as posted in the Wall Street Journal on the first day of the published month in most cases on your outstanding balance. In most states there is a cap as to just how high they can go with the rate. In TN where I live it can go to 18%. I personally would opt for a closed end fixed rated note that has a start and and end.I personally think you have in these quotes you placed before us have the decimal point in the wrong place.I have never seen rates quoted that way.I am a mortgage banker in TN KY
HELOC’s are adjustable rate notes that are tycllaipy tied to prime rate. You could have prime or prime +1 or 2 or 3.It is a revolving loan just like a credit card. Your monthly payment will be figured on what ever prime is as posted in the Wall Street Journal on the first day of the published month in most cases on your outstanding balance. In most states there is a cap as to just how high they can go with the rate. In TN where I live it can go to 18%. I personally would opt for a closed end fixed rated note that has a start and and end.I personally think you have in these quotes you placed before us have the decimal point in the wrong place.I have never seen rates quoted that way.I am a mortgage banker in TN KY