There's no better time to put money in your house to work for you with a Home Equity Line of Credit.
Prime + .50%* – currently 3.75% APR
FREE $200 VISA GIFT CARD**after you close
* All fields are required
* Rate offer is good for applications taken February 1, 2014 through March 31, 2014. All loans subject to credit and collateral approval. Some restrictions apply. The variable Annual Percentage Rate (APR) may be as low as Prime plus 0.50% when the CLTV does not exceed 70%, the loan is secured by a first lien on your primary residence, you have a minimum FICO of 720, and auto-debit of the regular HELOC monthly payment from a new or existing First Tennessee deposit account. Request for a new Home Equity Line of Credit (HELOC) is subject to a minimum line amount of $10,000. New HELOCs for less than $25,000 will be subject to a Commitment Fee of $500. Your APR may be higher or lower than the advertised rate based on CLTV, credit history and other factors. Your APR can vary monthly based on the Prime Rate published daily in The Wall Street Journal. Prime was 3.25% as of January 31, 2014. Your rate can never exceed 21% APR. All lines may be subject to a $50 Annual Fee. An early Termination Fee of $500 will be charged for lines closed within 36 months for reasons other than refinance with First Tennessee or direct physical loss or damage of property. Direct physical loss or property damage does not include normal wear and tear or progressive deterioration. Property insurance required and flood insurance where necessary.
**Limit one gift per household. To receive the $200 Visa Gift card, you must apply between February 1, 2014 through March 31, 2014, mention this offer, and open a real estate secured portfolio loan or home equity line of credit. Offer does not apply to loans originated by Quicken® Loans®. The Visa Gift card will be mailed to you approximately four weeks after you’ve closed on your loan. Visa is not a sponsor of this promotion. The Visa Gift card is a prepaid card welcome anywhere in the U.S. Visa Debit cards are accepted.
*** Before consolidating debt you should consider all factors, including the cost of consolidation compared to the benefits. **** Average customer rating from www.firsttennessee.com as of 07/09/13.
FSR: Please use promo code HLC200 for the $200 Visa Gift Card promotion. Enter the CLAS number into the Coupon Redemption system after closing.