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Home Equity Lines at 2.99% APR for the first 
6 months with initial draw of $25,000 or greater on the date your account is established, as low as a variable 6.50% APR after1
 
 
Home Equity Loans as low as 6.31% APR2
 
 
Easy application process for lines and loans
 
 
Quick and convenient closings
 

1If an initial draw of $25,000 or greater is taken on the date your EquiFlex Home Equity Line of Credit is established, a promotional fixed Annual Percentage Rate of 2.99% will apply for the first six (6) months after the date account is established (the “Promotional Period”). After the Promotional Period expires, the terms and conditions of the Variable Rate Feature will apply. This means that the monthly minimum payment may increase after the Promotional Period. The 6.50% APR is based on 90% loan-to-value (LTV) for $25,000 approved line at Prime + 1.00% or 4.00%, whichever is higher. APR may vary after first 6 months. APR will change based on Prime plus or minus a margin designated by program and plan selected. The APR is indexed to the Prime Rate as posted in the Wall Street Journal. As of 12/20/18, Prime is 5.50%. LTVs up to 75% are Prime + 0% to Prime + 2.00%. LTVs between 75.01% and 80% are Prime + 0.50% to Prime + 1.25%. LTVs between 80.01% and 85% are Prime + 0.75% to Prime + 1.00%. LTVs between 85.01% and 90% are Prime + 1.00% to Prime +1.25%. The maximum APR is 18.00%. If a credit line is closed within the first 24 months, the fee will be $200 for lines $10,000-$24,999, $350 for lines $25,000-$250,000, and $750 for lines greater than $250,000 (does not apply to Iowa residents). This account has a draw period of 10 years, after which any outstanding balance will be automatically converted to a 20 year fully amortized repayment period at Prime + 2.00%. Offer is available for new EquiFlexSM Home Equity Lines only and to current First Midwest Home Equity clients whose current line is within 12 months or less of maturity. Offer may change or be withdrawn at any time without notice. Annual fees of $50 for IL and $15 for IA residents. All loans are offered through First Midwest Bank. The minimum APR is 4.00% after the initial promotion period. APR and margin apply to owner occupied dwellings only. Offer is subject to credit approval. Property insurance required on properties secured by this plan. Other rate enhancements do not apply.
2Annual Percentage Rate (APR) shown is available as of 8/14/18 to well qualified applicants for a fixed rate home equity installment loan holding a single-family owner occupied property as collateral in a first lien position. APR shown is based on a loan amount of $25,000 for a 180 month term. Your APR may vary and will be based on your credit qualification, the loan amount, the repayment term, loan-to-value (LTV), property type, and our lien position. The monthly payment example for a $25,000 home equity installment loan at 6.76% APR with 90% LTV is $221.92 per month for 180 months with no down-payment and does not include taxes or insurance premiums. Your actual payment may vary based on amount, term, APR, taxes, insurance, and other factors. Offer is subject to credit approval. Property insurance required on properties secured by this plan. Other rate enhancements do not apply. Offer may change or be withdrawn at any time without notice. All loans are offered through First Midwest Bank.
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