Only your primary residence located in Florida or Georgia can be used to secure a Home Equity Loan or Line of Credit.
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.
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.
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.
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
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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 09/01/24 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. |
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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 |
|
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 09/01/24 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. |
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Term (Years) 5 |
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 |
|
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 09/01/24 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. |
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Term (Years) 5 |
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 |
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.
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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 09/01/2024 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. |
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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 |
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.
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Loan Paid Off In |
% Of Closing Cost Reimbursed to RadiFi by the Borrower |
|---|---|
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* 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
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:
State of Florida Documentary Stamps: .0035 times the loan amount. APR = Annual Percentage Rate. APRs listed are effective as of 09/01/24 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. |
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Loan Paid Off In Less than 12 Month |
% Of Closing Cost Reimbursed to RadiFi by the Borrower 100% |
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Loan Paid Off In Less than 24 Months |
% Of Closing Cost Reimbursed to RadiFi by the Borrower 50% |
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Loan Paid Off In Less than 36 Months |
% Of Closing Cost Reimbursed to RadiFi by the Borrower 25% |
All Your Burning Questions Answered
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.