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. 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: 3.25%; rate to adjust monthly to prime rate (prime rate is currently 3.25%)
Points: 0
APR: 3.25%
Term: 20 Years (15 year draw period, 5 year repayment period)
Rate Caps: 18.00% maximum /3.25% minimum (no cap per adjustment)
Maximum LTV: 75% 1-4 Family and Condominiums
Loan Amounts: $250,000.00 maximum / $5,000.00 minimum
Minimum Draw: $500.00
Application Fee: $150.00
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 3.750% 0 3.757% $5.93 75% $250,000/$5,000
15 Year Fixed 3.500% 0 3.509% $7.15 75% $250,000/$5,000
10 Year Fixed 3.250% 0 3.263% $9.77 75% $250,000/$5,000
5 Year Fixed 3.000% 0 3.024% $17.97 75% $250,000/$5,000
 
1-4 Family & Condominiums:  75% 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:  $150.00
Rates and terms are subject to change at any time without prior notice.
Rates as of 02/12/2013

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

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