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Let Republic’s Home Equity Line of Credit or Loan save you money by consolidating your credit cards, paying tuition or making home improvements.

Home Equity Line of Credit* Lines of credit up to 80% of home's value Only $199 Closing Costs* Minimum monthly payment is accrued interest or $50, whichever is greater. Minimum payment may not be sufficient to repay principal and may result in a balloon payment. Minimum draw is $100

Home Equity Loan We also offer a fixed-term, fixed-rate home equity loan. Call 888-584-3600 for more info.

Quick & Simple Home Refinance Loan $199 Closing Costs** Fixed Rate 10 Minute Application Less than 30 days to close

*As of 1/24/12, Annual Percentage Rate (APR) is the highest Prime Rate (Index) published in the “Monthly Rates” section of the Wall Street Journal on a monthly basis, but APR cannot decrease below floor rate of 4.25% (As of 1/24/12, the Prime Rate is 3.25%).  Your loan amount will be determined by your home value, available equity and credit history.  Subject to underwriting and approval. Certain restrictions apply. Limited time offer. Maximum of 80% CLTV. Primary checking account required for $199 promotional closing costs. Title insurance may be required and is not included in $199 promotional closing costs. $50 annual fee after first year. Maximum APR 18%. Minimum payment may not be sufficient to repay outstanding loan balance at the end of the draw period and may result in a single balloon payment. This loan may have a prepayment penalty; ask us for details.  Republic Bank and Trust Company Loan Originator ID #402606.  Republic Bank Loan Originator ID# 401399.

** Loan example: $150,000 fixed rate loan - 3.648% Annual Percentage Rate with 180 payments of $1,081.78. Rate and APR as of 1/19/12. $199 Promotional closing costs available for loan amounts up to $417,000; title insurance may be required. 80% loan to value. Primary checking account with loan payment ACH required for promotional closing costs. Subject to change daily. Limited time offer. Terms, costs, and rates subject to change. Please contact one of our banking officers for information on higher loan amounts. Examples do not include monthly taxes and insurance and your actual payment may be greater. Loan subject to underwriting and approval. 30 day closing timeframe is an estimate and not a guarantee, may vary based on individual circumstances. Republic Bank and Trust Company Loan Originator ID #402606.

Customer Identification Program Notice

This account and the stated rates are only available to Florida residents of Hillsborough, Pasco and Pinellas County.

Use our Loan Calculator to figure payment and interest.