*Appraisal costs range from $180-$800. Customer responsible for any appraisal costs in excess of $180. Rates subject to change. APR is variable and based on The Wall Street Journal Prime Rate (“Prime”). As of 9/23/19, the best rate is Prime – .50 % (4.50% APR). Maximum APR 18%. Minimum APR 4%. Rate listed is minimum credit score of 760 with automatic payment from a Lake Area Bank account. A minimum loan amount of $10,000 to convert to a fixed rate, with a $50 lock fee during the draw period. Property insurance required; flood insurance required if property is in a flood hazard area. Subject to change and can be discontinued without notice. Must be age 18 years or older.