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Fixed Rate Home Equity Loans

There’s power in predictability.

Steady and Sure Financing For Homeowners

Explore the stability and security of RadiFi’s Fixed-Rate Home Equity Loans. Secure financing for your goals with predictable monthly payments and competitive rates.

Home improvement, debt consolidation, refinancing, and more is within reach when you tap into your home equity and receive up to $500 credit towards closing costs* with RadiFi. Start your journey towards financial empowerment today.

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Steady Rate & Payment

No surprise statements. No stressful outcomes.

With a fixed rate Home Equity Loan, your payment remains the same every month and your interest rate never changes.

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Simplified Process

Cover the entirety of a single purchase with one loan.

Funds are disbursed to you in one lump sum so you can skip excessive paperwork and focus on your goal instead.

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Broad Eligibility

Home values change. Faith in our community of homeowners does not.

Applications up to 95% Loan to Value (LTV) for home improvements accepted.

Second Lien Home Equity Loans

Second Lien Home Equity Loan 0-80% Loan to Value Ratio¹

Term (Years)

Rate

Pre-Paid Finance Charge2

APR2

P&I Payment3

1 Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Displayed rate for borrowers with excellent credit. Don’t worry, other rates and terms are available. Up to $500 credit toward closing costs available.

2 Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate.

3Principal and Interest (P&I) together equal the payment amount.

APR = Annual Percentage Rate. APRs listed are effective as of 2/2/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

Term (Years)

5

Rate

7.75%

Pre-Paid Finance Charge2

$561.43

APR2

8.69%

P&I Payment3

$503.92

Term (Years)

10 

Rate

8.00%

Pre-Paid Finance Charge2

$569.31

APR2

8.52%

P&I Payment3

$303.32

Term (Years)

15 

Rate

8.25%

Pre-Paid Finance Charge2

$578.13

APR2

8.63%

P&I Payment3

$242.54

Term (Years)

20 

Rate

8.50%

Pre-Paid Finance Charge2

$587.45

APR2

8.82%

P&I Payment3

$216.96

Apply Now
Second Lien Home Equity Loan 81-90% Loan to Value Ratio¹

Term (Years)

Rate

Pre-Paid Finance Charge2

APR2

P&I Payment3

1 Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance. Displayed rate for borrowers with excellent credit. Don’t worry, other rates and terms are available. Up to $500 credit toward closing costs available.

2  Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate.

3 Principal and Interest (P&I) together equal the payment amount.

APR = Annual Percentage Rate. APRs listed are effective as of 2/2/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

Term (Years)

Rate

8.50%

Pre-Paid Finance Charge2

$570.59

APR2

9.47%

P&I Payment3

$512.91

Term (Years)

10 

Rate

8.75%

Pre-Paid Finance Charge2

$579.49

APR2

9.29%

P&I Payment3

$313.32

Term (Years)

15 

Rate

9.00%

Pre-Paid Finance Charge2

$589.37

APR2

9.40%

P&I Payment3

$253.57

Term (Years)

20 

Rate

9.14%

Pre-Paid Finance Charge2

$597.88

APR2

9.47%

P&I Payment3

$227.19

Apply Now
Second Lien Home Equity Loan 91-95% Loan to Value Ratio¹ for Home Improvement Only

Term (Years)

Rate

Pre-Paid Finance Charge2

APR2

P&I Payment3

1 Loans over $100,000 and/or loans with an LTV (Loan to Value) greater than 90% require a full appraisal. Fixed Rate, up to 95% loan to value ratio (LTV) for home improvement. Great rates and multiple term options are available with approved credit. The example is based on a $25,000 loan balance.  Up to $500 credit toward closing costs available.

2 Prepaid Finance Charges paid by the member. Annual Percentage Rate shows effect of pre-paid finance charges on the rate.

3 Principal and Interest (P&I) together equal the payment amount.

APR = Annual Percentage Rate. APRs listed are effective as of 2/2/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

Term (Years)

Rate

9.75%

Pre-Paid Finance Charge2

$586.07

APR2

10.75%

P&I Payment3

$528.11

Term (Years)

10

Rate

10.00%

Pre-Paid Finance Charge2

$596.88

APR2

10.57%

P&I Payment3

$330.38

Term (Years)

15

Rate

10.25%

Pre-Paid Finance Charge2

$608.66

APR2

10.68%

P&I Payment3

$272.49

Term (Years)

20 

Rate

10.50%

Pre-Paid Finance Charge2

$620.73

APR2

10.87%

P&I Payment3

$249.59

Apply Now

First Lien Home Equity Loans

Is a paid off home on your horizon? Our Fixed Rate First Lien Home Equity Loan¹ may be the perfect option. Take advantage of our quick turnaround and also get up to $500 credit toward closing costs.

First Lien Home Equity Loan 0-80% Loan to Value Ratio¹

Purpose/Limitations

Term (Years)

Rate

Pre-Paid Finance Charge2

APR2

P&I Payment3

1 When a paid off home is on your horizon, our Fixed-Rate First Lien Home Equity Loan will get you there fast! Minimum loan amount is $50,000, Maximum amount $250,000. Enjoy our quick turnaround, and up to $500 credit toward closing costs. Loan amounts over $100,000 require a full appraisal. The example is based on a $25,000 loan balance over 10 years.

2 Prepaid Finance Charges paid by the member and affect the Annual Percentage Rate.

3 Escrow for taxes and insurance may be needed and are not included in the principal and interest (P&I) payment amount shown above.

4 Cash out is limited to $2,000.

APR = Annual Percentage Rate. APRs listed are effective as of 02/2/2024 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

Purpose/Limitations

Refinance – No Cash Out4

Term (Years)

10

Rate

7.00%

Pre-Paid Finance Charge2

$556.01

APR2

7.50%

P&I Payment3

$290.27

Purpose/Limitations

Cash Out

Term (Years)

10

Rate

7.50

Pre-Paid Finance Charge2

$562.62

APR2

8.01%

P&I Payment3

$296.75

Apply Now

Closing Costs

Choose from our Second Lien or our super low rate 10-Year First Lien Program and get up to $500 credit toward closing costs.

Up to $500 Credit for All Home Equity Products*

Loan Paid Off In

% Of Closing Cost Reimbursed to RadiFi by the Borrower

* All rates include up to $500 credit toward closing costs. However, reimbursement is required as a percentage of the fees if the loan is paid off in less than 3 years.

Closing cost fees may range from $400 to $2,000 or more based on the size of your loan. These fees are shown on the addendum to your note. Here is a list of the standard closing cost fees.

Flood Certification: $16.00
Recording of Deed: $159.25 to $200.00
Electronic Document: $30.00
Tax Service: $78.00
Appraisal Fee:

  • $65 fee for loans under $100,000 and under
  • $575 fee for loans over $100,000

Higher appraisal fees may apply on a case-by-case basis. Full appraisals are needed for loans over $100,000 and for LTVs above 90%.

Title Fees:

  • Title Search Fee: $102.50 for loans under $200,000
  • Title Policy Fee: If over $200,000, the fee varies based on the loan amount.

State of Florida Documentary Stamps: .0035 times the loan amount.

APR = Annual Percentage Rate. APRs listed are effective as of 1/1/24 and subject to change at any time without notice. Your rate may be higher than the stated APR. Rates are based on creditworthiness, loan-to-value, and other criteria.

Loan Paid Off In

Less than 12 Month

% Of Closing Cost Reimbursed to RadiFi by the Borrower

100%

Loan Paid Off In

Less than 24 Months

% Of Closing Cost Reimbursed to RadiFi by the Borrower

50%

Loan Paid Off In

Less than 36 Months

% Of Closing Cost Reimbursed to RadiFi by the Borrower

25%

All Your Burning Questions Answered

Only your primary residence located in Florida or Georgia can be used to secure a Home Equity Loan or Line of Credit.

Receive a relationship discount of 0.25% off your next home equity loan!

Our thanks for being a great RadiFi Member.
Qualify for our discount by having an active checking account and $1,000+ per month in payroll direct deposit.

HAVE QUESTIONS? LET’S CHAT.

Our local team of mortgage experts are ready and able to answer your questions regarding home buying, refinancing, home equity loans and lines of credit, and more.

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904-475-8000
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