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Look to your home — and your built-in equity — when it’s time to pay for bigger expenses. Choose from a lump sum or line of credit with no closing costs.

Key Features

  • Competitive Rates
  • Local Processing
  • No Closing Costs
  • Competitive, variable, and fixed rates for a wide range of short-term or one-time needs with no closing costs:
    • Make home improvements
    • Build an addition
    • Take a vacation
    • Pay tuition
    • Consolidate debts
    • And much more!
  • 5, 10, 15, or 20-year terms available
  • Budget-friendly repayment terms
  • Revolving credit – available balance replenishes as you make payments
  • Funds available anytime without reapplying; apply once, then use as needed thereafter
    • Funds conveniently available by requesting a book of checks to access your line or requesting us to deposit the funds to one of your accounts established with Garden Savings
  • Secured by the amount of available equity in your home
    • Amounts available up to 100% of your home’s equity
  • The interest paid might be tax deductible1
  • Simple, hassle-free process supported by our local decision making and processing
  • Detail-oriented lending specialists who answer your questions in a timely fashion
  • HELOC Products only available in NJ, NY and PA. 

100% LTV Home Equity Loans are available. Specific terms and restrictions apply. Contact a loan officer for more details. Only available in NJ, NY and PA. 


Pay your loans from an outside account2.

1Consult a tax advisor.

2Please be advised that payments made from outside accounts take 2-4 days to post to your account.

Home equity products are only available in NJ, NY & PA.