• Competitive variable rate
  • Borrow up to 80 percent of the appraised value of your home, less the balance of any first mortgage
  • Flexible payment options to suit your budget
  • Convenient access to funds with personal checks
  • Save money with possible tax-deductible interest*
  • Monthly statements help you to keep track of all of your activity
  • Pay down your line whenever you want—and reuse those funds again and again

 

To learn more please call our Residential Lending Department at (518) 584-5844 or email us.

 

Mortgage is subject to credit and property approval.

*Consult your tax advisor regarding the tax benefits available to you. Approval of a home-equity line requires that you meet our credit criteria, income ratios and loan-to-value guidelines. Minimum approved credit line and loan is $7,500. Closing costs are waived for Home Equity Line of Credit and loans up to $100,000, and are estimated to range between $445–$1,165. If line of credit or loan is closed within three (3) years, the customer will reimburse the Bank for all third-party fees paid by the Bank, including mortgage-recording tax. Additional terms and conditions may apply. The property must be owner-occupied or a second home. Property insurance required. Offer may be withdrawn at any time without notice.

Click here to see our current home equity rates. >
To learn more, please call our Residential Lending Department at (518) 584-5844 or email us.

Click here to see our current mortgage rates. Here are some useful calculators: