Thomas Raschka

Not available for investment properties or properties located in Texas, New York, Alaska, or Hawaii- The Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first business day of the month. Rates subject to change at any time. The maximum APR is 18%. Monthly payments of interest only will result in a balloon payment. No annual fee for the first year - $75 annual fee thereafter. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood hazard insurance may be required. If you refinance, close or terminate your HELOC for any reason within 36 months of opening your HELOC, you may have to pay an Early Cancellation Fee of (i) two percent (2.00%) of your credit limit within the first twelve (12) months of opening your HELOC, or (ii) $750 between thirteen (13) and thirty-six (36) months of opening your HELOC. This Early Cancellation Fee applies where applicable by state law. Subject to credit approval.

¹Offer valid 7/17/26 – 10/30/26. Loan must close by 12/31/26. Available only to new Home Equity Line of Credit (HELOC) customers and current HELOC customers whose loan matures within one year from the date of application. Available only on collateral properties located in (i) Illinois (excluding Kankakee County. Please see a banker for rates applicable to Kankakee County, Illinois), (ii) Indiana, (iii) Wisconsin, and (iv) Minnesota. Not available for investment properties. 75% loan-to-value (70% for condos), or less. 5.99% Fixed Annual Percentage Rate (APR) during the six-month introductory period. Thereafter, the Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first business day of each month. Based on the 1/2/26 Prime Rate of 6.75%, the following rates would apply: 5.99% APR during the six-month introductory period. Thereafter, 6.75% APR for HELOC $100,000 or more; 6.99% APR for HELOC $50,000 to $99,999; 7.49% APR for HELOC $25,000 to $49,999; and 7.74% APR for HELOC $5,001 to $24,999. Rates subject to change at any time. The maximum APR is 18%. Monthly payments of interest only will result in a balloon payment. No annual fee for the first year - $75 annual fee thereafter. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood hazard insurance may be required. Some restrictions may apply. If you refinance, close or terminate your HELOC for any reason within thirty-six (36) months of opening your HELOC, you may have to pay an Early Cancellation Fee of (i) two percent (2.00%) of your credit limit within the first twelve (12) months of opening your HELOC, or (ii) $750 between thirteen (13) and thirty-six (36) months of opening your HELOC. This Early Cancellation Fee applies where applicable by state law. Subject to credit approval.

UP TO $2,000 IN CLOSING COST CREDIT: Third Party Fees and Charges ranging from $500 to $3,100 may be assessed for HELOCs under $250,000 at closing. If, at the time of closing, you set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your HELOC and elect electronic statements within the first statement cycle, we will pay up to $2,000 of the third party fees and charges associated with closing on your HELOC, including, but not limited to, appraisal, title, flood, credit report, stamp & tax, and recording fees (collectively, “Third Party Fees and Charges”). If, at the time of closing, you do not set up an AFT or ACH to make the monthly payment on your HELOC, then you agree to pay the Third Party Fees and Charges at closing. This provision does not apply to loans secured by investment properties or to loans that fall outside our standard product, rate, term and underwriting guidelines.

Sujeto a la aprobación del crédito. Se aplican tasas bases. Las tasas del título, como parte de los costos de cierre, variarán según el condado. ²Special Offer: $500 off your closing costs valid on first mortgage applications (including prequalifications) received between 7/17/26 – 10/30/26. Loan must close by 1/30/27. Only available on 1-4 family home. Only applies to Conventional, Jumbo, FHA, USDA, or VA loans. Not available for collateral properties located in Texas, New York, Alaska, or Hawaii. Prior to closing you must set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your loan, and within the first statement cycle you must elect electronic statements (requirement only applies to Conventional and Jumbo loans). Closing costs include only those fees and charges required by First American Bank as a condition of obtaining a loan. Title fees, as part of the closing costs, will vary by county. May not be combined with other promotions. Please see a banker for details. Rev 7/26

Las tasas están sujetas a cambios sin previo aviso. Las tasas y los términos no están garantizados hasta que se haya completado la solicitud y un oficial de préstamos hipotecarios de First American Bank bloquee la tasa. Las tasas y los programas están sujetos a limitaciones. Consulte la disponibilidad de los programas. Todos los programas son préstamos completamente amortizados que requieren pagos mensuales del capital, intereses y todo pago al depósito en garantía exigido durante el plazo del préstamo. Los pagos anteriores no incluyen las sumas por impuestos y primas de seguro. Por lo tanto, la obligación de pago real será mayor. El pago mensual exacto de un préstamo dependerá del plazo, el importe y la tasa de porcentaje anual (APR) en el momento de la aprobación de préstamo. Las APR variarán debido al costo del seguro de hipoteca privado (PMI) (si fuese necesario), las tasas de la compañía de títulos, las comisiones basadas en su calificación crediticia y los importes reales del préstamo. El crédito disponible variará entre USD 30,000 y USD 2,000,000. Solicite información de la tasa sobre el crédito disponible que no se muestra en la tabla.

APR de préstamos convencionales: asumimos una cuota inicial del 25 % sin seguro de hipoteca privado (PMI) y basado en el pago del plazo total.

APR de préstamos Jumbo: asumimos una cuota inicial del 30% sin seguro de hipoteca privado (PMI) y basado en el pago del plazo total.

APR de préstamos de hipotecas a tasa ajustable (ARM): amortizados a 30 años. Las APR que se muestran son para el período inicial y pueden aumentar después del cierre debido a los movimientos del índice de las tasas de interés durante los períodos de ajuste de la tasa. Solicite información sobre los límites y márgenes del ajuste de la tasa.