*APR = Annual Percentage Rate. Rates disclosed include a .25% discount for automatic payment. Principal & interest payment based on loan amount of $50,000. Maximum loan amount for a fixed rate loan is $250,000 Minimum loan amount is $10,000 and minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $500.00. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
*APR = Annual Percentage Rate. The Home Equity Line of Credit has a variable rate therefore the APR may increase after consummation. Maximum loan amount for a Home Equity Line of Credit (HELOC) for 10-year draw is $100,000 and for a 5-year draw is $50,000. Minimum loan amount is $10,000. A minimum of $10,000 must be new money at SPIRE. Property must be the primary residence and property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $500.00. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.
*APR = Annual Percentage Rate. Rates disclosed include a .25% discount for automatic payment. Principal & interest payment based on loan amount of $50,000. Maximum loan amount for a fixed rate loan is $250,000 Minimum loan amount is $10,000 and minimum of $10,000 must be new money at SPIRE. Property must be the primary or secondary residence and property insurance is required. Residential properties only located in MN or WI. Commercial, agriculture and large acreage properties excluded from offer. SPIRE member responsible to pay $500 toward closing costs, which includes the cost of the required appraisal. If the loan does not close, the cost of the appraisal will not be refunded. SPIRE will pay closing costs in excess of $500.00. Offer subject to termination at any time. Rates and terms are subject to qualification and may change at any time. Borrower must meet membership requirements to qualify. Other restrictions may apply. See your tax advisor for details regarding interest deductibility.