Interest Only Payments Option *Annual Percentage Rate. The rate is fixed for 12 months and then variable at Prime plus 0.00%, currently 6.750% APR, with a floor of 4.500% APR for the remainder of the loan. This rate will be based on the current Prime Rate as published in the Wall Street Journal. The maximum APR is 15%. This offer is valid for all applications with a minimum line of $5,000 from applicants who DO NOT have an existing HELOC relationship with Pioneer. 85% maximum combined loan-to-value for 1st lien applications, 80% maximum combined loan-to-value for 2nd lien applications. Loan amounts that exceed the current Jumbo limit of $832,750, whether individually or in aggregate when combined with the first mortgage, will be subject to a 0.25% interest rate increase for the life of the loan. Minimum loan amount: $5,000. HELOC has a term of 25 years; 10-year draw period with monthly interest only payments required followed by a 15-year monthly principal and interest repayment period. Flood insurance may be required.  Property and hazard insurance are required and are the responsibility of the borrower. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Consult your tax advisor regarding interest deductibility. Promotional rate runs from 4/20/26 – 5/22/26 and is subject to change or can be discontinued without notice. This is a limited time offer and only applies to new Pioneer loans.

 

Principal & Interest Payments Option *Annual Percentage Rate. The rate is fixed for 12 months and then variable at Prime plus 0.00%, currently 6.750% APR, with a floor of 4.500% APR for the remainder of the loan. This rate will be based on the current Prime Rate as published in the Wall Street Journal. The maximum APR is 15%. This offer is valid for all applications with a minimum line of $5,000 from applicants who DO NOT have an existing HELOC relationship with Pioneer. 85% maximum combined loan-to-value for 1st lien applications, 80% maximum combined loan-to-value for 2nd lien applications. Loan amounts that exceed the current Jumbo limit of $832,750, whether individually or in aggregate when combined with the first mortgage, will be subject to a 0.25% interest rate increase for the life of the loan. Minimum loan amount: $5,000. HELOC has a term of 25 years; 10-year draw period with monthly principal and interest only payments required followed by a 15-year monthly principal and interest repayment period. Flood insurance may be required. Property and hazard insurance are required and are the responsibility of the borrower. Loan approval is subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice. Consult your tax advisor regarding interest deductibility. Promotional rate runs from 4/20/26 – 5/22/26 and is subject to change or can be discontinued without notice. This is a limited time offer and only applies to new Pioneer loans

 

¹ Bank will pay closing costs on loans up to $300,000. Bank paid closing costs can include: flood determination fee; credit report fee; appraisal fee; appraisal review fee; tax monitoring service fee; mortgage recording fee; abstract update or title search fee; lender title insurance fees; mortgage recording tax.  If a customer elects to obtain owner title insurance, the customer is responsible for the owner title insurance premium. For loans in excess of $300,000 borrower will pay for the cost of lender title insurance ranging from $549.00 to $2,103.00.  If a customer elects to obtain owner title insurance, the customer is responsible for the owner title insurance premium. If the loan is closed or discharged for any reason within the first three years, your repayment amount will include reimbursement to Pioneer for bona fide fees it paid to third parties on your behalf in connection with the opening of your account. If a customer selects an attorney to represent themselves, the customer is responsible for attorney fees.

² Option to lock in a fixed rate on all or any part of the variable-rate balance with a minimum balance of $5,000.

 

³ Pioneer and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.