Home Equity Loans
Be Your Own HELOC Hero!
No Fee Flexible Freedom Home Equity Line of Credit*
Create Opportunity
Credit Card ConsolidationDebts piling up? Help get your debt under control with the utilization of a HELOC. Credit card consolidation is one of the most beneficial uses of this option. With simplified access to your funds, reduced borrower cost, lower interest rates, and an added layer of security through the equity in your home, a HELOC can be a great way to decrease your credit card debt. |
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Home ImprovementBuilding opportunity for more equity! Renovate a kitchen, put in a pool, add a deck or update your landscaping. Leveraging your home's equity to increase the value of your home is what we like to call a win-win! |
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Travel ExpensesTravel expenses can add up fast. From transportation, meals, hotels and entertainment, costs can skyrocket quickly. Use your home's equity to fund a family vacation that wasn't feasible in your regular budget. |
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Wedding FinancingSay 'I do' to managing wedding expenses. If eloping isn't your dream, help manage items from the dress to the caterer with your home's equity. |
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Higher EducationWork smarter not harder. Take the opportunity to change career paths or advance yourself in your professional or vocational endeavors. From certificates to degrees or even paying for private schooling for children – it's all possible. |
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Business VentureInvest in yourself. Help jump start your entrepreneurial ambitions or fund a hobby turned side hustle with the extra funds gained from your home's equity. |
Home Equity Line of Credit
- Home Improvements
- Debt Consolidation
- Auto / RV / Boat Purchases
- Medical Expenses
- Vacations
- Weddings
- Tuition Payments
- And more
HELOC Features
- One loan approval
- No recurring proofs of employment, income, or value of collateral
- Choose the length of term
- Select rate based upon your preferred term
Questions?
Other Loan Options
Approval within minutes is available during normal business hours to qualified borrowers who meet or exceed the established thresholds for Debt to Income (DTI), Loan to Value (LTV), and Credit Score for loans up to $125,000. Other Home Equity Loan amounts and application options are also available. For the Flexible Freedom Home Equity Line of Credit, the borrower may lock the line of credit to a fixed rate for a particular term at any time and should inquire about rates, terms, and conditions. After the lock period the APR is variable and may change monthly based upon changes in the NY Prime Rate but will not fall below 3.75% or exceed 18%. The Prime Rate is based on the highest rate published in the Wall Street Journal and is 8.50% as of February 20, 2024. The origination fee, cost of appraisal, and cost of recording are waived for this offer. For properties located in NY State, $100 will be credited to the cost of the appraisal and the customer’s portion of NY State Mortgage Tax is at the borrower’s expense. Loans $350,000 or greater will be assessed a title insurance fee. Home Equity Loans are subject to credit qualification, income verification, and collateral evaluation. Additional restrictions, limitations, and exclusions may apply.
"Approval within minutes” is available during normal business hours or experience may vary and available to qualified borrowers who meet or exceed the established thresholds for Debt to Income (DTI), Loan to Value (LTV), and Credit Score. Home Equity Loans are subject to credit qualification, income verification, and collateral evaluation. Additional restrictions, limitations, fees, and exclusions may apply.