How long is your home improvement wish list? Is there something special you would like to do that would make your home perfect? Is it the bathroom of your dreams or a bigger kitchen to accommodate your growing family? Maybe you want a more spacious family room or a pool so your home can be the hangout for all the neighborhood teens?

Whatever it is you would like to accomplish, here at VCNB we believe that now is the time to make those dreams a reality. Now through June 30, open a new home equity line of credit to receive an introductory annual percentage rate (APR) of 3.99 percent for the first twelve months.

If you have equity in your home, why not use it to make your house the home you’ve always wanted it to be? See below for the terms of this promotion and click here to get started! 

This promotion is available April 1, 2018 through June 30, 2018. The introductory Annual Percentage Rate (APR) will be fixed at 3.99% for the first (12) months from the note date and will be terminated at the end of the twelve (12) month period. After the introductory period, the loan will become a variable rate loan. The subsequent APR may vary from Prime Rate (index) to Prime Rate plus 0.25% (margin is dependent on loan-to-value ratio). Prime rate is based on the current rate published in the Wall Street Journal. As of March 22, 2018 that rate was 4.75%. The current APR using the prime rate plus the 0.25% margin is 5.00%. The APR will never exceed 18.00%. This promotion applies only to new lines of credit. Promotion available for single family, owner-occupied, primary residence only; excludes manufactured properties. Minimum line amount of $10,000 is required. Maximum loan-to-value ratio is 89.00%. After the initial 12 month period there is a $50.00 annual fee. Title Insurance and Survey Fees will be assessed to borrower for loans of $100,000 or greater. Fees range between $350.00 and $1500.00. Property and flood insurance will be required, if applicable. Applicants must successfully meet our Home Equity Line of Credit underwriting standards. Not all applicants will qualify for this promotional offer. Alternative rates and terms are available. NMLS #483350