Current Mortgage Rates From: Clifton Savings

Unleash the equity in your home.

When you need some ready cash, Clifton Savings Bank is right behind you. Whether you're planning a home improvement project, or consolidating your bills, or buying a car, our residential Home Equity Loans are just the answer.

Borrow up to $250,000 at a low fixed rate with a second mortgage, or open a Home Equity Line of credit to have cash available when you need it. Plus, your application fee is refunded at closing. And, we keep all loans in-house, so you're assured of Clifton Savings Bank's personal service.

When you're ready to put the equity in your home to work for you, call our Mortgage Department at 1-888-LOANS-CS, or fill out the form below.

Home Equity Line Of Credit
Rate:	5.00%; rate to adjust monthly to prime rate (prime rate is currently 5.00%)
Points:	0
APR:	5.00%
Term:	20 Years (15 year draw period, 5 year repayment period)
Rate Caps:	18.00% maximum /4.50% minimum (no cap per adjustment)
Maximum LTV:	80% 1-4 Family and Condominiums
Loan Amounts:	$250,000.00 maximum / $5,000.00 minimum
Minimum Draw:	$500.00
Application Fee:	$150.00; this fee will be refunded at closing
Property Type:	1-4 family and condominium; primary residences only

Second Mortgages
Term	Rate	Points	APR	Payment per $1000	Max LTVR	Max/Min Loan
20 Year Fixed	6.625%	0	6.625%	$7.53	80%	$250,000/$5,000
15 Year Fixed	6.375%	0	6.375%	$8.64	80%	$250,000/$5,000
10 Year Fixed	6.125%	0	6.125%	$11.16	80%	$250,000/$5,000
5 Year Fixed	5.875%	0	5.875%	$19.27	80%	$250,000/$5,000

1-4 Family & Condominiums:	80% maximum loan to value ratio.
Investment Property:	70% maximum loan to value ratio / Interest rate is 1% higher
Second Homes:	Interest Rate is 1/2% higher / 1 family only.
Application Fee:	$150 / will be refunded at closing.
Rates and terms are subject to change at any time without prior notice.
Rates as of 05/16/2008

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1433 Van Houten Ave
Clifton, NJ 07013
Toll Free: 1-888-562-6727
Fax: 973-473-3638

Equal Housing Lender