*The STAR Home Equity Loan is available to North Carolina, Virginia, and Maryland residents with property located in certain counties/cities designated as a low or moderate income census tract and/or have income below 80% of the area median income as identified by the U.S. Census Bureau. Additional restrictions may apply.
**Bank will pay all closing costs for non-purchase money equity lines up to $249,999. Equity lines of $250,000 or more, and subordinate equity lines used for purchase money, will receive a $600 credit toward closing costs. However, if your account is closed within three (3) years of the opening date, we will add any closing costs we advanced on your behalf to your outstanding balance for our reimbursement. Total closing costs generally range from $150 to $2,000. There is a $50 annual fee, if and as allowed by applicable law, which is waived the first year. Your annual fee may be waived with a qualified Xenith checking account; consult with your branch banker for details.