What are your balances?

What are your payments?

Loan 1: Current Balance* Tip

Current Balance
Enter the amount you owe on each loan. You may estimate this amount, but to be more accurate consult your most recent statement. If you wish to take cash out when you consolidate, enter that amount as a loan balance.

Loan 1: Monthly Payment* Tip

Payment
Enter your monthly payment amount. You may estimate this amount, but to be more accurate consult your most recent statement.

 
Loan 2: Current Balance* Tip

Current Balance
Enter the amount you owe on each loan. You may estimate this amount, but to be more accurate consult your most recent statement. If you wish to take cash out when you consolidate, enter that amount as a loan balance.

Loan 2: Monthly Payment* Tip

Payment
Enter your monthly payment amount. You may estimate this amount, but to be more accurate consult your most recent statement.

 
 
Your Current Monthly Payment
$0.00
 
Asterisk (*) indicates required fields Create Additional Debt Lines

Huntington Consolidation Line

Savings Summary

Outstanding Debt Amount     Monthly Payment $0.00  
   
Rate Term     Monthly Savings $0.00  
Calculate your Savings   Start an Application

This calculator determines how your monthly debt payments could change if you consolidate your debt into one loan. Please note that the New Monthly Payment shown above reflects the minimum payment requirement on a Huntington home equity credit line, which is interest only for the first ten years. Making only this minimum payment amount during this period will not reduce the principal balance on the account. If there is a balance outstanding at the end of the 10-year draw period, the minimum payment will be increased at that time to an amount sufficient to amortize the balance over a 20-year repayment period. It is important to note that, in some circumstances, reducing your monthly payment could result in an increase in the overall cost of the debt. Please take this into consideration if the payments for the loans you are consolidating include principal reduction. Talk to a banker for more information about your particular situation.


Important Information:

Click Here to create a more customized rate based on your property location

Current prime rate is 4.25% as of June 15, 2017. Depending on customer's qualifications, variable APRs range from 2.96% to 16.99% APR. Customer's specific rate is subject to application, approval and acceptable property appraisal and title search; loan-to-value (LTV) ratio; credit history; meeting certain underwriting criteria; line amount; lien position; whether or not property is owner-occupied, and rate region generally based on property state. Lowest rate available is for well qualified borrowers who are approved for a new line amount of $75,000 or greater and also take a $25,000 or more draw at loan closing. This draw must exclude any funds used to pay existing Huntington debt; a loan-to-value ratio of 80%; assumes property is owner-occupied; first lien position; a credit score of 740 or higher; and, rate region generally based on property state. The APR is variable and can change each month, but will never be higher than 18.00%. Borrower-paid title insurance is required on line amounts greater than $750,000. Offer subject to change without notice.

THE HOME EQUITY CREDIT LINE HAS A $60 ANNUAL FEE. THE INITIAL FEE WILL BE CHARGED ON YOUR FIRST BILLING STATEMENT AND THEN ANNUALLY, THEREAFTER.

The APR is based on Prime plus or minus a margin. The margin is based on your home's loan-to-value ratio, lien position, owner occupancy status, applicant's credit history, and the amount of the credit line. "Prime" means Bank Prime Loan rate published by the Board of Governors of the Federal Reserve System in its statistical release H.15(519) entitled "Selected Interest Rates." Use of the word "Prime" does not mean that the rate is the best or lowest rate offered by any lender. Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a Special Flood Hazard Area. The amount of savings realized with debt consolidation varies by loan. Since a home equity line may have a longer term than some of the bills being consolidated, there may not be a savings over the entire time of the line if you make only the minimum payments. Minimum payment requirement is interest only for the first 10 years, followed by a 20-year payment period. Making only the minimum payment during the first 10 years will not reduce the principal balance on the account. Insurance must be carried on the real property. Federally Guaranteed Student Loans and other loans with special government benefits should not be consolidated because you may lose the benefits. Advertised rates are subject to change at any time and does not apply to refinancing of existing Huntington accounts. Credit subject to application, credit approval, acceptable appraisal and title search. Consult your tax advisor regarding the deductibility interest.