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Delta Community offers two minimum monthly payment options; a principal and interest payment option or an interest only payment option. The minimum payment for the principal and interest payment option is 1.5% of the outstanding loan balance. The minimum payment for the interest only option is the greater of actual accrued interest or $100. There is no prepayment penalty with either option if the loan balance is paid in full. The interest only HELOC may be appropriate if you prefer a low monthly payment and flexibility to pay the principal balance at your convenience. More information on Interest Only HELOC.
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