1 This offer is available for properties located in Florida only.  If you are located outside of Florida, ask about the nationwide program and disclosure.  The APR (Annual Percentage Rate) is based on the Prime Rate as published in the Wall Street Journal, plus or minus a margin, and will vary with the Prime Rate throughout the life of the loan.  Prime Rate is 8.50% as of June 11, 2024.  The maximum APR is 18.00%.  The minimum APR is 5.00%.  An initial draw of $25,000.00 is required to qualify for the 1.00% temporary rate reduction margin.  If qualified, the 1.00% rate reduction margin will apply for the first six (6) months of the loan.  After that time, the 1.00% rate reduction margin will terminate and the rate will be based on the current Prime Rate plus or minus the permanent margin determined at the time of loan origination.  Available margin may vary based on loan to value, credit score, and other factors.  This offer available for First Lien HELOC only.  All applications are subject to credit approval.  Annual fee of $75.00 applies.  Costs to open this line of credit range from $100.00 to $3,500.00.  For properties located in Florida, intangible and documentary tax fees up to 0.55% of your loan amount will be required to open the account (payable to the County where the subject property is located).  A prepayment penalty equal to borrower costs paid by Liberty Savings Bank, FSB, may apply if the line is paid in full and closed within the first 36 months following line opening.  Rates subject to change.  Additional terms may apply.  Property insurance (and flood insurance, if applicable) must be maintained on the subject property at all times.  You should consult a tax advisor regarding the deductibility of interest and charges for the line.

2 Must originate a HELOC at Liberty Savings Bank, FSB, to receive the gift card.  Amount of gift card will vary based on actual loan amount and shall not be deemed to be a part of the legal obligation between the parties.  Eligible loans up to $199,999.99 will receive a $250.00 gift card and eligible loans of $200,000.00 and higher will receive a $500.00 gift card.  Gift cards will be sent approximately 2 – 4 weeks after the loan originates.  Gift cards will be ecards sent to the email address listed on the loan application.  Liberty Savings Bank, FSB is not affiliated with Lowe’s.  Lowe’s is not a sponsor of this promotion.  Lowe’s and the Gable Mansard Design are registered trademarks of LF, LLC.

3 This offer is available for properties located in Florida only.  If you are located outside of Florida, ask about the nationwide program and disclosure.  The APR (Annual Percentage Rate) is based on the Prime Rate as published in the Wall Street Journal, plus or minus a margin, and will vary with the Prime Rate throughout the life of the loan.  Prime Rate is 8.50% as of June 11, 2024.  The maximum APR is 18.00%.  The minimum APR is 5.00%.  A minimum credit score of 760 is required to qualify for the 0.25% rate reduction margin.  Other credit scores may be acceptable with other available margins.  Available margin may vary based on loan to value, credit score, and other factors.  All applications are subject to credit approval.  Liberty will pay closing costs to include standard fees for credit report, valuation report, flood determination, tax service fee, title search.  Extraordinary fees incurred for unforeseen circumstances may be charged to the Borrower.  For properties located in Florida, intangible and documentary tax fees up to 0.55% of your loan amount will be required to open the account (payable to the County where the subject property is located).  Annual fee of $75.00 applies.  A $300.00 Early Termination Fee will be charged if the line is paid in full and closed within the first 36 months following line opening.  This offer is available for Second Lien HELOC only.  Rates subject to change.  Additional terms may apply.  Property insurance (and flood insurance, if applicable) must be maintained on the subject property at all times.  You should consult a tax advisor regarding the deductibility of interest and charges for the line.

4 Must originate a HELOC at Liberty Savings Bank, FSB, to receive the gift card.  Amount of gift card will vary based on actual loan amount and shall not be deemed to be a part of the legal obligation between the parties.  Eligible loans up to $199,999.99 will receive a $250.00 gift card and eligible loans of $200,000.00 and higher will receive a $500.00 gift card.  Gift cards will be sent approximately 2 – 4 weeks after the loan originates.  Gift cards will be ecards sent to the email address listed on the loan application.  Liberty Savings Bank, FSB is not affiliated with Lowe’s.  Lowe’s is not a sponsor of this promotion.  Lowe’s and the Gable Mansard Design are registered trademarks of LF, LLC.

5 Origination Fee reduction is based on the total Origination Fee of $1,195.00.  A $200,000.00 fixed-rate, 30-year mortgage loan, with an interest rate of 6.375%, having a 75% loan-to-value ratio, will have a monthly principal and interest payment of $1,247.74, which does not include taxes and insurance, prepaid finance charges of $1,962.63 due at closing, and APR of 6.4693%.  Rates may change based on credit and other factors.  Subject to credit approval.  State and/or county maximum loan restrictions may apply.  Reduced Origination Fee is available on originated, Fixed Rate Mortgage on Owner Occupied and true Second Home properties only.  Rates and offer are subject to change without notice. 

6 Must originate a conforming fixed-rate first mortgage loan on an Owner Occupied or true Second Home property at Liberty Savings Bank, FSB, to receive the gift card.  Amount of gift card will vary based on actual loan amount and shall not be deemed to be a part of the legal obligation between the parties.  Loan amounts up to $199,999.99 will receive a $250.00 gift card and loan amounts of $200,000.00 and higher will receive a $500.00 gift card.  Gift cards will be sent approximately 2 – 4 weeks after the loan originates.  Gift cards will be ecards sent to the email address listed on the loan application.  Liberty Savings Bank, FSB is not affiliated with Lowe’s.  Lowe’s is not a sponsor of this promotion.  Lowe’s and the Gable Mansard Design are registered trademarks of LF, LLC.

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