With approved credit HELOC, interest rates are variable based on an index plus a margin and may vary after the account is opened. The rate is affective the first date of the billing cycle. APR ranged is 3.5%-18.0. Rate is subject to adjust monthly. The APR may be adjected based on individual credit standing, term, loan-t-value, debt-to-income, aggregate credit score, any product mix. Closing costs do not included full appraisal fee if appraisal is required. Centric will pay closing costs. If HELOC is closed within 36 months of origination, closing costs will be charged back to the borrower(s). The minimum loan amount is $10k, maximum $150k. Terms and conditions may change at any time.