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HOME IMPROVEMENT LOANS
Invest in Your Home and Your Future.

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 $5000 – $50,000
- Funds must be used for Home Improvements
- Available on properties in NY, NJ, CT & PA only
Today's Rates
APR = Annual Percentage Rate (OPEN TO READ MORE)
* APR = Annual Percentage Rate.
Above APRs are based on loan amounts of $50,000. The APR is fixed for the loan term. 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. For directions on how to pull this information at home, please click here for directions.
(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.
(5) Must qualify for the loan through other standard eligibility such as credit score, debt to income ratio and lien position.
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.
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.