TowneBank - Nationwide Branches

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Branch	Address	View Lobby Hours
Iron Bridge Road Branch	9961 Iron Bridge Road, Chesterfield, VA 23832	View Lobby Hours
Ghent Branch	1006 Colley Avenue, Norfolk, VA 23507	View Lobby Hours
Stony Point Branch	9000 West Huguenot Road, Richmond, VA 23235	View Lobby Hours
Mechanicsville Branch	7279 Bell Creek Road, South, Mechanicsville, VA 23111	View Lobby Hours
Village Branch	7013 Three Chopt Road, Richmond, VA 23226	View Lobby Hours
Nine Mile Road Branch	5100 Nine Mile Road, Richmond, VA 23223	View Lobby Hours
Innsbrook Branch	4501 Cox Road, Glen Allen, VA 23060	View Lobby Hours
Imperial Plaza Branch	1717 Bellevue Ave, Richmond, VA 23227	View Lobby Hours
Wards Corner Branch	7500 Granby Street, Norfolk, VA 23505	View Lobby Hours
Kempsville Branch	5200 Providence Road, Virginia Beach, VA 23464	View Lobby Hours
Cary Office Branch	5000 Valleystone Dr., Ste110, Cary, NC 27519	View Lobby Hours
Libbie Mill Branch	4901 Libbie Mill East Boulevard, Richmond, VA 23230	View Lobby Hours
Gateway Branch	800 E. Canal St, Suite 100, Richmond, VA 23219	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1945532	6.186%	6.000% 1.00 points $6,400 fees	$1,919	Learn More
NMLS ID: 3138	6.344%	6.250% 1.00 points $3,200 fees	$1,971	Learn More
NMLS ID: 2022461	6.434%	6.375% 0.63 points $2,000 fees	$1,997	Learn More
NMLS ID: 401822	6.655%	6.500% 1.00 points $5,195 fees	$2,023	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.8% - 15.20*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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