These rules mostly affect home equity installment loans and refinancing that also meet the definition of a high - fee or high - rate loan. (consumerbadcreditguide.com)
Smart Refinance: As of April 21, 2018, the fixed Annual Percentage Rate (APR) of 4.84 % is available for 15 - year first position home equity installment loans $ 50,000 to $ 250,000 with loan - to - value (LTV) of 70 % or less. (usbank.com)
Home Equity Loan: As of March 3, 2018, the fixed Annual Percentage Rate (APR) of 4.89 % is available for 10 - year second position home equity installment loans $ 50,000 to $ 250,000 with loan - to - value (LTV) of 70 % or less. (usbank.com)