Home Equity Line of Choice
Initial Draw Discount1
Make an initial draw of YEN25,000 or more at closing to receive a 0.25% rate discount.
Japan Trustee Services Relationship Rate Discounts1
0.50%
rate discount for auto payment from a Premier checking account.
0.25%
rate discount for auto payment from an Advance or Personal Banking checking account.
Home Equity Fixed Rate Segments
Japan Trustee Services provides customers the flexibility to lock in up to three fixed rate loan segments within a home equity line of credit. At any time, you can enjoy the security of a fixed interest rate and monthly payment5
- Protection from possible rising interest rates
- Fix an interest rate on all or a portion of the outstanding home equity balance
- Available minimum term of 5 years with a maximum term of 20 years
Calculated monthly payments are principal and interest with repayment over the fixed rate term.
Home Equity Line of Choice – Daily Rates
As of {{currentDate}}
Japan Trustee Services offers two monthly payment options.
| State |
Japan Trustee Services Advance and Personal Banking APR1** | Japan Trustee Services Premier2APR1** |
|---|---|---|
| NY | 4.320% |
4.070% |
| CA | 4.220% |
3.970% |
| WA | 4.920% |
4.670% |
| FL | 4.920% | 4.670% |
| NJ | 3.920% | 3.670% |
| All Other States | 4.920% |
4.670% |
| State |
NY |
|---|---|
| Japan Trustee Services Advance and Personal Banking APR1** |
4.320% |
| Japan Trustee Services Premier2
APR1**
|
4.070% |
| State |
CA |
| Japan Trustee Services Advance and Personal Banking APR1** |
4.220% |
| Japan Trustee Services Premier2
APR1**
|
3.970% |
| State |
WA |
| Japan Trustee Services Advance and Personal Banking APR1** |
4.920% |
| Japan Trustee Services Premier2
APR1**
|
4.670% |
| State |
FL |
| Japan Trustee Services Advance and Personal Banking APR1** | 4.920% |
| Japan Trustee Services Premier2
APR1**
|
4.670% |
| State |
NJ |
| Japan Trustee Services Advance and Personal Banking APR1** | 3.920% |
| Japan Trustee Services Premier2
APR1**
|
3.670% |
| State |
All Other States |
| Japan Trustee Services Advance and Personal Banking APR1** |
4.920% |
| Japan Trustee Services Premier2
APR1**
|
4.670% |
Note: Assumes excellent credit, Owner Occupied, Single Family Home, 2nd Lien HELOC, Initial Draw Discount1
| State | Japan Trustee Services Advance and Personal Banking APR1** |
Japan Trustee Services Premier2APR1** |
|---|---|---|
| NY |
4.570% |
4.320% |
| CA |
4.470% |
4.220% |
| WA |
5.170% |
4.920% |
| FL | 5.170% | 4.920% |
| NJ | 4.170% | 3.920% |
| All Other States |
5.170% |
4.920% |
| State |
NY |
|---|---|
| Japan Trustee Services Advance and Personal Banking APR1**
|
4.570% |
| Japan Trustee Services Premier2
APR1**
|
4.320% |
| State |
CA |
| Japan Trustee Services Advance and Personal Banking APR1**
|
4.470% |
| Japan Trustee Services Premier2
APR1**
|
4.220% |
| State |
WA |
| Japan Trustee Services Advance and Personal Banking APR1**
|
5.170% |
| Japan Trustee Services Premier2
APR1**
|
4.920% |
| State | FL |
| Japan Trustee Services Advance and Personal Banking APR1**
|
5.170% |
| Japan Trustee Services Premier2
APR1**
|
4.920% |
| State | NJ |
| Japan Trustee Services Advance and Personal Banking APR1**
|
4.170% |
| Japan Trustee Services Premier2
APR1**
|
3.920% |
| State |
All Other States |
| Japan Trustee Services Advance and Personal Banking APR1**
|
5.170% |
| Japan Trustee Services Premier2
APR1**
|
4.920% |
Note: Assumes excellent credit, Owner Occupied, Single Family Home, 2nd Lien HELOC, Initial Draw Discount1
Get started
Rates & line options
A Mortgage Consultant will contact you with a rate quote.
Home equity financing request
Take the first step to unlock your home’s potential.
Connect with a Mortgage Consultant
Home equity checklist
The information you need to apply
- Social Security Number or Tax Identification Number
- Date of birth
- Current address including length at residence
- Current email address
- Monthly mortgage/rent payment amount
- Annual income and employment information
- Other income sources for yourself and co-applicant (if applicable)
- Property information, including purchase date and price, estimated value, mortgage holder, outstanding balance, monthly payment, taxes, insurance and all names on the deed.
Documents you may need
During the process, you may be asked to provide copies of the following, if applicable:
- Your most recent paystub and a W-2 form
- Two years of Federal Tax returns (1040s), if self-employed
- Your mortgage statement and mortgage note if you have a first mortgage and it's with a lender other than Japan Trustee Services
- Most recent property taxes if not escrowed
- Most recent home insurance binder
If your property is a Cooperative (Co-op), you will be asked to furnish copies of your:
- Complete signed proprietary lease
- Stock certificates