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All loans are subject to credit review and approval. Property insurance required for all loans secured by real estate. Rates are subject to change daily. Contact your Old National Banker or Residential Lender for current loan rates. NMLS #459308.
1 Rates, terms and conditions effective 3/23/2023 for applications received through 4/30/2023. Subject to credit approval. Property insurance required. Property insurance required for all loans secured by real estate. Rates are subject to change daily. Contact your Old National Banker or Residential Lender for current loan rates. NMLS #459308. Other restrictions may apply, see bank for details. The line of credit has a draw period of 10 years, after which you will no longer have access to borrow funds and will be required to repay the borrowed balance within a 20-year term. During the draw period there is an introductory discounted variable rate in effect for the first 12 billing cycles, based on a 2.50% discount resulting in an APR of 2.76% below prime rate as published in the Wall Street Journal. Thereafter, the variable rate will be based on The Wall Street Journal prime rate (plus or minus a margin) which is currently 7.74%. During the repayment period the rate will be fixed based on the rate at the end of the draw period plus a margin currently 3.00%. APR examples provided above are based on highest credit tier, a credit line amount of $100,000 with an LTV of 80% or less and includes a .25% rate reduction at origination for automatic payments from an ONB checking account. ONB associates may select the associate discount or Private Banking discount, not both, in addition to the promo rate. Maximum APR is 21%, minimum APR is 0.99%. Initial $50 annual fee is waived. During the draw period the minimum monthly payment will be equal to the interest that accrued on the outstanding balance during the preceding billing cycle or $50, whichever is greater. During the repayment period the minimum monthly payment will be based on the balance at the end of the draw period amortized over 20 years or $50, whichever is greater. If you close or refinance your line within 3 years, a Reimbursement fee will be assessed for the lesser of $300 or the amount paid to third parties to recover the closing costs paid on your behalf plus, in MN, the Mortgage Registry Tax (MRT) or Deed Stamp Tax paid on your behalf where applicable. Old National reserves the right to discontinue this offer at any time. Equity Access Cards are not available to Kentucky residents. Member FDIC.
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