Home Equity Loans

• Competitive, 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\
• 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

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.

• Competitive, variable rates for a wide range of ongoing or long-term needs with no closing costs:
  • Make home improvements
  • Build an addition
  • Take a vacation
  • Pay tuition
  • And much more!
• Budget-friendly repayment terms
• 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
• 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
• 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. 

 ¹Consult a tax advisor.