Home Equity Line of Credit — Bravera Bank is a home equity line of credit from Bravera Bank. The ongoing APR is Variable rate on a revolving line of credit starting at 6.25% APR; Annual Percentage Rate (APR) for Home Equity Lines of Credit can range from 6.25% to 8.75% based on credit and combined Loan-to-Value; maximum APR that can apply during the term of the Line of Credit of 12%. Loan terms: 10-year term; Monthly interest-only payments; Paying only the minimum balance will result in a balloon payment at the end of the term.