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.
- 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.
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.