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Non-owner Occupied Home Equity Lines of Credit [Explained]owner-occupied/second homes. For non-owner occupied family homes the APR will not go below %. The index as of the last date changed on 9/19/ is. Owner-Occupied HELOC1, Non-Owner Occupied HELOC2. 9-month Introductory Rate, % APR1, % APR1. Credit line range, $10, to $,, $10, to $, 75% loan to value, 20 year term, 5 year draw, 15 year payback. Rates above are good for non-owner-occupied residences.
