Home Equity Loans Home Equity Line of Credit  Rate  APR    9.000%  9.000%   20 Year Fixed Rate Closed End Second Mortgage  Rate  APR    8.000%  8.132%   First Mortgage Loans 5/5 ARM - No Cost Refinance  Rate  APR    6.625%  6.779%   5/1 ARM  Rate  APR    6.500%  7.064%   7/1 ARM - No Cost Refinance  Rate  APR    6.750%  7.049%   30 Year Fixed Rate  Rate  APR    7.125%  7.174%   Construction Loans 7/1 ARM Construction Loan  Rate  APR    7.000%  7.338%   Land Loans 15 Year Fixed Rate Land Loan  Rate  APR    8.500%  8.943%