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Home Equity Line of Credit

(This is a type of mortgage loan.)

The Bluegrass Home Equity Line of Credit is offered with *NO CLOSING COSTS for a limited time!

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*To qualify for No Closing Costs, the new credit line request or increase must be for a minimum of $10,000 and must be secured by the borrower’s primary residence. Application must be received by October 30, 2021. Property insurance (and flood insurance if applicable) is not covered by the Bank and is required prior to loan closing. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualification and collateral conditions.

Bluegrass Home Equity Line of Credit Disclosures:

The annual percentage rate (APR) is variable and may vary each month with the Prime Rate as published in the Wall Street Journal (WSJ) plus a margin.  The APR may increase or decrease based upon an increase or decrease in the index.  As of September 01, 2021, the Prime Rate is 3.25%.  To determine the Periodic Rate that will apply to your account, we add a margin to the value of the Index, then divide the value by 12 (monthly). To obtain the APR, we multiply the Periodic Rate by 12 (monthly).  There is no limit on the amount by which the APR can change during any one year period.  However, under no circumstances will the APR exceed 21.00% per annum (ceiling) or go below 3.990% per annum (floor) at any time during the term of the Plan.  In the event that the margin is higher than 3.990%, the lowest the Periodic Rate and corresponding annual percentage rate can be is equal to the margin.  Interest will begin to accrue on the date credit advances are posted to your credit line.  Interest will be charged based on the “average daily balance”.  The average daily balance is determined by taking the beginning balance on each day, adding any new advances, subtracting any payments or credits and unpaid finance charges; then adding up all the daily balances for the billing cycle and dividing the total by the number of days in the billing cycle. All loans are subject to credit and property approval.  Monthly payments are based on the accrued interest at the end of each billing cycle and may be lower or higher based on your loan amount, APR and term.  Stated rates apply to lines secured by owner occupied, single-family residences.  No closing costs.  Additional fees, terms and conditions may apply.  An annual fee of $20 will apply.  An early termination fee will be charged to the borrower(s) if the Line of Credit does not remain open for the initial thirty-six (36) months following the account opening. If the account is closed during months 0-12, the early termination fee will be $375.00. If the account is closed during months 13-24, the early termination fee will be $250.00. If the account is closed during months 25-36, the early termination fee will be $125.00. Late payment fees may be charged, when applicable.  Returned items fee is $30.00.  Stop Payment fee is $30.00.  Over-the-limit fee is $20.00.  Check order fee may be $14.00 to $25.00.  Checks are optional.  No minimum transaction amount.  No transaction fee.  Loan term and draw period is 15 years.  If only interest payments are made during the life of the loan, it may result in a balloon payment.  Payment amount does not include amounts for taxes and insurance premiums.  Property and flood insurance (if applicable) are required and are not included in the payment amount or closing costs.

 

(These are types of mortgage loans.)

Bridge Loans

If you’ve found your dream home but haven’t sold your existing home, a bridge loan can help you through the transition. Learn more about how a Bridge Loan can assist with the home buying process by contacting our experienced lenders.

Construction Loans

Improvements, major repairs or even building from the ground up, a construction loan offers a simple option to help you realize the home of your dreams. Put us to work by letting us find you the best solution based on your project. Contact us today!

Chris Boaz

Chris Boaz

V.P.

Commercial and Mortgage Lender

(859) 280-3840

MLO NMLS ID# 478799

Application Link
Kim Noble

Kim Noble

V.P.

Consumer and Mortgage Lender

(859) 233-8935

MLO NMLS ID# 613244

Application Link

Bank NMLS ID# 421548

Offer of Credit is Subject to Credit Approval

Platinum Cash Back Rewards Card

Earn cash back on all qualifying purchases. You can earn it on groceries, gas, online purchases and everything else you buy. There are no spending tiers or minimums.

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  1. 1% cash back on all qualifying purchases with no cap-rewards will be credited to the account on the anniversary date of its open date.
  2. $35.00 annual fee.
  3. APR Wall Street Prime Rate +8.00%.

Earn cash back on all qualifying purchases. You can earn it on groceries, gas, online purchases and everything else you buy. There are no spending tiers or minimums.

Platinum Card

Give yourself the buying power of Platinum with a low interest rate and valuable card member benefits.

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  1. 1% cash back on all qualifying purchases with no cap-rewards will be credited to the account on the anniversary date of its open date.
  2. $35.00 annual fee.
  3. APR Wall Street Prime Rate +8.00%.
  • 0% intro APR on purchases and balance transfers for the first 7 billing cycles.
  • EMV smart chip technology for added security.
  • Online management site allows you to monitor recent and pending transactions, update profile information, set travel and payment alerts, view statements and set up auto pay/make payments.
Matthew Robertson

Matthew Robertson

No Title 

Business Development Officer

(859) 685-3047

Offer of credit is subject to credit approval.