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fixed-rate-mortgage

Home Equity Loans and Lines of Credit

Use your home equity to make great things happen.

The equity in your home can fund your next big project or stage of life—to spend on almost anything. If you’re a qualified homeowner in New Jersey, New York or Pennsylvania, we’ve got the home equity products to fit your needs.

Show me how I can unleash the value in my home

Fixed-Rate Home Equity Loan

Take advantage of the equity you built in your home and borrow at a fixed rate, up to 75% loan-to-value (LTV). Choose your own terms up to 20 years and use the proceeds for any purpose. Our application process is easy and decisioning is quick, so you’ll have the cash on hand when you need it.

  • Borrow from $25,000 to $750,000
  • Terms from 5 to 20 years 
  • Quick and easy application process
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Home Equity Lines of Credit

A home equity line of credit allows you to access the equity you built in your home, but only pay interest on the amount you actually use. Up to 75% LTV (less any first mortgage balance). Whether you want to keep a rainy-day fund for emergencies or take advantage of the low variable rate while putting kids through school, a Home Equity Line of Credit could be the answer.

  • Borrow from $25,000 to $750,000
  • Only pay interest on the amount you use
  • Low, variable rates
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Special Home Improvement Loan

Borrow up to $20,000 for home improvements. Special Home Improvement Loans are available to low- and moderate-income homeowners of 1- to 4-family, owner-occupied homes in certain New York and New Jersey counties.

  • Features a fixed rate
  • Terms of up to 10 years
  • Available to low- and moderate-income homeowners
  • Available in certain New York and New Jersey counties
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