Special Home Improvement Loan

Borrow up to $20,000 for your home improvements or repairs. Get an affordable fixed rate and start on your home projects right away.

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Fixed rate

With a fixed rate, your payments don’t change, and regular payments each month can help you budget easier. 

For Home Renovations

Borrow up to $20,000 and use the money for general improvements and renovations to your home.

Terms up to 10 years

With loan terms up to 10 years, you’ll have the repayment flexibility you need. 

Available to low- and moderate-income borrowers who need to finance home improvement expenses

Special Home Improvement Loans are available only to low- and moderate-income homeowners residing in eligible counties for 1- to 4-family, owner-occupied homes.

Available to low-and moderate-income homeowners of 1- to 4-family, owner-occupied homes in the New Jersey and New York counties listed below.

County FFIEC Estimated 2021 80% Estimated 2021 Maximum Monthly Income 50% Estimated 2021 Maximum Monthly Income
Essex, Hunterdon, Morris, Sussex, Union $105,600 $84,480 $7,040 $52,800 $4,400
Middlesex, Monmouth, Ocean, Somerset $113,400 $90,720 $7,560 $56,700 $4,725
Bergen, Hudson, Passaic $85,500 $68,400 $5,700 $42,750 $3,562.50
Mercer $106,800 $85,440 $7,120 $53,400 $4,450
Warren $84,900 $67,920 $5,660 $42,450 $3,537.50
Burlington, Camden, Gloucester $99,800 $79,840 $6,653.33 $49,900 $4,158.33
New York City (Bronx, Kings, New York, Queens, & Richmond Counties) $85,500 $68,400 $5,700 $42,750 $3,562.50
Nassau, Suffolk $129,900 $103,920 $8,660 $64,950 5,412.50

Above are the 2021 FFIEC median family income limits for our assessment area. A borrower's total income must be less than 80% of Estimated 2021 limits to qualify for the Special Home Improvement Loan.

Download an application.

Helping You Save
Helping You Save