Being a homeowner has its advantages

Over time, the market value of your home appreciates creating a cash reserve called "equity". 
Your home equity is the difference between its appraised value and the balance of all of your mortgage loans.

What can you use these loans for? Absolutely anything you want or need. Send kids to college, consolidate debt or finally get to that renovation you have been dreaming about. Choose the option that best meets your needs. 

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Fixed Rate Home Equity Loan

  • Amounts from $2,500 - $250,000
  • Up to 90% of appraised value
  • Fixed rate and flexible terms
  • No pre-payment penalty


Home Equity Line of Credit 
 (HELOC - a revolving line of credit)

  • Amounts from $10,000 - $250,000
  • Up to 90% of appraised value
  • Variable rate*
  • No pre-payment penalty
  • Access your line of credit anytime
  • Payment is based on outstanding balance
  • Transfer funds anytime from Your Equity Line of Credit



Home Improvement Loan

Short on equity, but need improvements?

  • Amounts from $500 - $20,000
  • Up to 125% of appraised value*
  • Term up to 10 years
  • Provide a written estimate or contract for home improvements

*Including approved home improvements on your primary residence.


*Annual Percentage Rate.  Rate will be the standard rate of Wall Street Prime plus 1% - 4% based on creditworthiness. Any increase or decrease in the Index will result in an increase or decrease in your applicable rate. Maximum annual interest rate that can apply is 12% or the maximum permitted by law, whichever is less, and the annual interest rate will not go below 4% at any time during the term of the loan. Minimum monthly payment is 1% of the outstanding balance or $50.00, whichever is greater. 

Here is what you will need to complete your application.

Verification of your income, such as a pay stub or a letter from your personnel department (If you are self-employed, please provide a copy of your income tax return for the last two years).

  • A copy of your Warranty Deed
  • A copy of your Homeowners Insurance Coverage
  • Applying online is the quickest process

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