Invest in Your Home and Your Future

Revitalize your home with flexible loan terms, low fixed interest rates, and access to up to $50,000.

Apply Now

Schedule an Appointment

Everything you need to make your house a more comfortable home.

An inclusive fixed-rate loan designed to help low to moderate-income homeowners make necessary repairs, upgrades, and renovations.

Features & Benefits

Receive one lump sum
1-10 year flexible loan term
Low Fixed Interest Rates
Borrow $5,000 – $50,000
Funds must be used for Home Improvements
Available on properties in NY, NJ, CT & PA only

Disclosures

*APR = Annual Percentage Rate.

Above APRs are based on loan amounts of $50,000. The APR is fixed for the loan term. Applicants must have a minimum credit score of 620 and estimated payment amount and repayment periods are referenced on the above rate tables. The minimum amount that can be borrowed is $5,000 and the maximum amount is $50,000. We are offering loans that range from 1-10 years based on your comfortability and preference. There is no maximum Loan-To-Value (LTV).

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE/ YOUR ACTUAL MONTHLY PAYMENT OBLIGATIONS MAY BE HIGHER. THERE ARE NO CLOSING COSTS FOR THIS LOAN OTHER THAN THE COST OF AN APPRAISAL IF REQUIRED.

Home Equity accounts are secured by a mortgage on your primary residence. Property insurance is required. Flood insurance may be required if the property is in a flood zone. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply. Membership is required.

Qualifications - This inclusive loan is only being offered to members who meet the following pre-qualifications:
(1) Own the property as their primary residence.
(2) Said primary residence falls within a low, moderate or middle census tract zone as scaled by the FFIEC website.
(3) If your home falls within the low, moderate or middle census tract zones, you pre-qualify for the loan.
(4) If your home does not fall within the low, moderate or middle census tract zone mentioned in section 3, you can still pre-qualify by having a household income at or below the low to moderate scale. Please schedule an appointment with one of our Home Lending Sales Representatives to verify eligibility.

↓ scroll for more

View Our Current
Home Improvement Loan Rates

Compare current rates for our mortgage and home equity products.

See Today's Rates

Need a Different Type of Home Equity Loan? Unlock a Solution That Works Best for You.

Home Equity Loans

If you need to cover a large project or consolidate debt, a Home Equity Loan may be right for you. You’ll receive the value of your loan in a single lump sum and make payments according to your preferred payment plan length.

Learn More

Home Equity Line of Credit (HELOC)

Choose to spend as much or as little as you need with a variable, revolving Home Equity Line of Credit (HELOC). Like a credit card, you’ll be approved for more borrowing as you make payments toward your outstanding balance.

Learn More

CHECKING & SAVINGS

LOANS

CREDIT CARDS

HOME LOANS

LEARN

ABOUT

Invest in Your Home and Your Future