Personal Loans

Home Equity

A place of shelter and comfort, a place for friends and family – a home is all of those things. It can also be a source of funds for you when you need them. At Garden Savings, we’ll help you turn the equity in your home into affordable financing for anything from kitchen upgrades, to paying tuition, and nearly anything in between. Whether you’re looking for a short-term, one-time solution or an ongoing source of funds, we can secure financing that’s right for your needs.

Home Equity Loan
  • Competitive, fixed rates for a wide range of short-term or one-time needs:
    • 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 deductible*
  • 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.

Pay Your Loans from Outside Accounts**

*Consult a tax advisor.
**Please be advised that payments made from outside accounts take 2-4 days to post to your account.
Home Equity Lines of Credit
  • Competitive, variable rates for a wide range of ongoing or long-term needs:
    • 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 deductible*
  • 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
*Consult a tax advisor. 

It's quick and easy to apply