Consumer Lending Options
Fixed Rate Home Equity Loans
How They Work
Use the equity in your home to borrow one lump sum, up front. Unlike a line of credit, your interest rate and monthly payments will be fixed for the length of the loan.
Best For
Non-recurring expenses such as a major home renovation, a family vacation, a wedding, or consolidating a specific amount of debt.
Home Equity Lines of Credit
How They Work
Borrow only what you need, when you need it. Unlike a traditional loan, you only pay interest on what you use—if you use it. Knowing your credit line is available gives you peace of mind and lets you kiss the need to have high-interest credit cards goodbye.
Best For
Recurring expenses such as tuition, medical bills, and home improvements.
Not sure which loan is right for you?
Feel free to contact us or stop by any of our six branches!
Hope - 1301 Hope Bridgeville Road, Hope, NJ 07844
Great Meadows - 277 Route 46, Great Meadows, NJ 07838
Blairstown - 201 Route 94, Columbia, NJ 07832
Hackettstown - 41 Route 46, Hackettstown, NJ 07840
Sparta - 220 Woodport Road, Sparta, NJ 07871
Andover - 161 Newton-Sparta Road, Newton, NJ 07860