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
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Competitive Rates
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Local Processing
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No Closing Costs
LOW INTRODUCTORY
1.99% APR*
For the first 6 months*
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| Term | APR as low as | Adjustments |
|---|---|---|
| 10 Years | 3.00% | Rate adjusts quarterly based on 6-Month T-Bill plus a margin. Rate quoted is"A-Paper" rate. Floor = 3%. |
| 15 Years | 3.00% | Rate adjusts every 6/30 & 12/31 based on Prime rate plus or minus a margin. Rate quoted is"A-Paper" rate. Floor = 3%. |
| 20 Years | 3.00% | Rate adjusts every 6/30 & 12/31 based on the Prime rate plus a margin. Rate quoted as "A-Paper" rate. Floor = 3%. High LTV>80% option available for qualified borrowers; minimum rate 7.25%. |
| 30 Years | 3.00% | Rate adjusts every 6/30 & 12/31 based on the Prime rate plus a margin. Rate quoted as "A-Paper" rate. Floor = 3%. High LTV>80% option available for qualified borrowers; minimum rate 7.25%. |
We also offer Home Equity Lines-of-Credit and Loans with up to 100% LTV. Contact our Loan Department for current rates on High LTV lines-of-creit and fixed rate home equity loans.
Promotional Rate Limited Time Only: 1.99% APR on any Home Equity Line-of-Credit for the first six months.
Your rate will be based upon your credit standing. Floor Rates and other conditions apply. Minimum Rate = 3.00% APR. 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.
- 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.
ePayments
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.
