Home Equity Loans

~Rates starting as low as
5.02% APR

~Low Closing Costs, or

~No Closing Costs Option

~ Interest-Only Option

~Fast Approval!

 Fixed rates and other terms available.

Contact the Mortgage Dept. to apply, or for more information on  Home Equity Loans from Florida Telco. (904) 720-1758, or email the
Mortgage Department.

| Apply Online | How to Apply Online |
| Email the Mortgage Dept. |

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Rates are subject to change.

Fixed Home Equity Rates
(as low as) & Terms as of 1/23/08
Rate
APR
10 year fixed
5.00%
5.02%
15 year fixed
5.24%  
5.26%  
20 year fixed 5.99% 6.00%
APR based on loan amount of $50,000. Rates above are based on
80% combined loan-to-value. Financing available up to 100% loan-to-value.
Home Equity Line of Credit Rates as low as:
asdf
6.74%*
6.74%*
5.25%**
5.25%**
7.99%***
7.99%***
Rates above are based on 90% combined loan-to-value. Financing available up to 100% LTV.

*Variable rate feature: rate stays the same for 1 year, then adjusts every January & July, based on Prime plus a margin of .24%. The margin used will depend on your individual creditworthiness. Initial rate based on Prime as of 01/23/08. Maximum rate 16%.

**Variable rate feature: rate changes when Prime changes, based on Prime plus zero. The margin used will depend on your individual creditworthiness. Initial rate based on Prime as of 3/18/08. Maximum rate 16%.

***Variable rate feature: initial rate will be in effect for 3 years, then adjusts every January & July, based on prime plus a margin of 1.49%. The margin used will depend on your individual creditworthiness. Initial rate based on prime as of 01/23/08.  Maximum rate is 16%.

No closing costs option when you receive an initial advance of at least $10,000. If you close your account or pay more than the minimum payment during the first 12 months, we will add any closing costs we paid on your behalf to your outstanding balance.
Unimproved Property
80% or lower loan-to-value, 12 year term 8.50% 8.767%
up to 85% loan-to-value, 12 year term 9.50% 9.774%

APR = Annual Percentage Rate. Individual rates are based on certain creditworthiness criteria and may differ from those advertised.