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Equity Loans
A Home Equity Loan allows you to utilize the equity you have in your home for home improvements, education expenses, purchase a car, or debt consolidation. The choice is yours. The loan amount will be based on the appraised value and the amount of equity in your home. The loan terms will be fixed for a period of 5, 10, 15 or 20 years. The interest paid may be tax deductable (consult your tax advisor).
- 1st Lien Position - Borrow up to $350,000 (Minimum Loan $10,000)
- 2nd Lien Position – Borrow up to $350,000 aggregate (Minimum Loan $10,000)
- 1 - 4 Family Home – Owner Occupied as Primary Residence in New Jersey
- Home Owner’s Insurance Is Required
- No Application Fee
- Recording Fee Payable at Closing (based on property type)
Rates
For rates please click here.
Community Reinvestment Act Low/Moderate Income Borrowers Loan Program
To qualify for this program, you must:
- Not have family income greater than $51,840 per year.
- Live in Kearny, Harrison, East Newark, North Arlington, Lyndhurst, or Rutherford.
- Own and occupy a 1-4 Family Home
Maximum Loan Amount: $20,000
No application fee.
For further details call either Paula or Rosa at 201-991-6078 for your special preferential low/moderate income loan rate today.
The interest paid may be tax deductable (consult your tax advisor)
Rates
For rates please click here.
