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| Loan Links | Ready EquitySM Home Equity Lines of Credit | ||||||||
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With a Ready EquitySM Home Equity Line of Credit you will always have ready cash for home improvements, debt consolidation, or any special plans or purchases you may want to make at a moment's notice. You can also use your home's equity as a cash management tool and the interest may be tax deductible.* Ready Equity Offers You:
Information You'll Need to Apply: Prior to filling out the application, you probably want to have some personal information handy:
Married persons may apply for individual credit. If you are applying with more than one co-applicant, please call 1-800-495-7100. Confidential, no obligation. Disclosures  * Variable Annual Percentage Rate effective 08/22/2006 (up to 85% LTV, owner-occupied) on minimum line amount of $10,000, maximum of $1,000,000. APR is subject to change without notice on a monthly basis, based upon changes in the index. Rate is based on the 30 day secondary CD rate as quoted in the Federal Reserve Statistical Release H-15 + 3.50%. Maximum APR will not exceed 18%. No points, no closing costs on amounts to $250,000. $500 early closure fee if line is closed within 36 months of note date. On amounts over $250,000, there is a $60 documentation fee, plus title, deed of trust recording, flood and appraisal fees. Other options may be available with different terms. Subject to approval and verification of equity and title report. Property, and, if applicable, flood insurance, is required. See your tax advisor for tax deductibility. 
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| Santa Barbara Bank & Trust,
First National Bank of Central California,
South Valley National Bank,
San Benito Bank,
and First Bank of San Luis Obispo
are divisions of Pacific Capital Bank, N.A., member FDIC.
© - Pacific Capital Bank, N.A. All rights reserved. | |||||||||
