Jovia Home Equity Line of Credit
The power to make those plans into projects!
Jovia's here to help you turn projects into plans with a Jovia Home Equity Line of Credit. Take advantage of a low introductory rate, as low as 5.99% APR‡ for the first twelve months, and a competitively low rate following the introductory period.
If your home is worth more than you owe on it, you can use that equity for home improvements, debt consolidation, or even college tuition payments.
Ready to get to work? Contact a HELOC Specialist today!
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‡ APR = Annual Percentage Rate. Line of Credit - The terms and conditions are subject to change at any time without notice. 5.99% APR introductory rate is fixed for the first twelve (12) months begins on the date of account opening. After the introductory period ends, all remaining balances will automatically convert to the variable APR per terms of the HELOC agreement. The variable APR is based on Prime plus a margin up to 2.5% and will vary with Prime. The maximum APR will not exceed 18%. Minimum APR cannot be lower than 3.25%. Not all applicants may be approved.
All loans subject to credit approval. Final approval amount is based on the appraised value of the home. Maximum total line offered is $1,500,000.00 ($1,500,000.00 cash out), with a minimum line amount of $25,000.00. For lines of $25,000 - $500,000 up to 80% LTV; lines of $500,001 - $1,500,000 up to 70% LTV. Jovia Financial’s loan programs can change at any time without notice. Home Equities are made on primary residences located in New York State only. Members who pay off and close their Line of Credit within 3 years will be required to pay back their closing costs previously paid by Jovia Financial. (Sample Home Equity Loan closing costs are $1,300 on a loan of $50,000 — property located in Nassau County.) All examples assume approved credit. Jovia Financial debt cannot be refinanced. Co-Ops are not eligible.
Information on current registered Mortgage Loan Originators at Jovia Financial and their unique identifier numbers (NMLS ID#) can be found here.
Jovia Financial NMLS ID number is 543667.