Home Equity Loan Special


small rates, BIG idea


5-Year   –   2.75% APR*   –   Home Equity Loans (up to 60 months)

10-Year   –   3.75% APR*   –   Home Equity Loans (61 to 120 months)

15-Year   –   4.125% APR*   –   Home Equity Loans (121 to 180 months)

*APR (Annual Percentage Rate) is accurate as of the date of publication and is subject to change. Rates are fixed for the term of the loan on 1st or 2nd lien position mortgages for qualified bor­rowers with credit scores of 720 and above.  Monthly payments per $1,000 borrowed are $17.86 for five (5) years, $10.01 for 10 years, and $7.46 for 15 years based on the rate and terms indicated.  Payments are automatically made by Automatic Funds Transfer (AFT) from an HNB checking or savings account.  Rate and APR is 0.5% higher for Coupon Book payments.  Fee of $175 plus the cost of appraisal and recording is waived for this offer.  Title insurance (at borrower’s expense) is required on loans over $200,000.  For NY State borrowers, the customer’s portion of NY State Mortgage Tax is at the borrower’s expense.  Loans are for qualified borrowers.  Maximum Loan Amount is $250,000 and up to 75% of the new loan may be used to refinance HNB debt.  Other rates, APRs, and terms are also available.

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