Current Mortgage Rates from Peapack-Gladstone Bank

Welcome to Peapack-Gladstone Bank

Consumer Loans

There are many reasons for considering a loan. You may want money to pay for home improvements, pay for education, purchase an automobile, pay for a vacation or to help you consolidate debt. Whatever the reason, Peapack-Gladstone Bank offers a full range of financing plans to help make it happen.

Home Equity Fixed Term Loan
By choosing a loan, instead of a line of credit, you lock in a competitive fixed rate, on a specific amount, with fixed payments that will be the same for the life of your loan.

Minimum loan amount of $5,000
Fixed interest rate
Finance up to 80% of 1 to 4 family primary residence
Maximum term of 20 years
Bi-weekly payment option available

Home Equity Line of Credit
A flexible way to borrow against the equity in your home. When you want to use your money, simply write out a check. A competitive variable rate of interest will be charged only on the amount you use. As you repay your outstanding balance, the funds become available for your use again and again during the draw period.

BelowPrime^SM Home Equity Line
Annual Percentage Rate is based on the Prime Rate as published in the Wall Street Journal as of the first business day of the month
Convenient personal checks provided for easy loan advances
Conversion option available

Program	Term	Annual Percentage Rate	Monthly Payment Example per $1,000
Home Equity Fixed Term Loan(1,3)	Up to 60 Months	5.99%	$19.33 (60 Months)
	61 - 120 Months	6.24%	$11.22 (120 Months)
	121 - 180 Months	6.49%	$8.71 (180 Months)
	181 - 240 Months	6.74%	$7.60 (240 Months)

Home Equity Line of Credit(2)
Prime Minus 1.01%	+ $100,000	3.99%	N/A
Prime Minus .50%	- $100,000	4.50%	N/A

(1) APRs are effective as of 5/01/08, are subject to change without notice and include a discount of .50% for automatic payment from a Peapack-Gladstone Bank checking or savings account.
(2) APRs are effective as of 5/01/08 and are subject to change without notice. The APR is based on the Prime Rate as published in the Wall Street Journal as of the first business day of the month and may vary monthly, not to exceed the maximum of 16%. The Prime Rate as of 5/01/08 is 5.00%. Maximum LTV 80%. Terms subject to credit approval and can change without notice. Rates apply to owner occupied residence only. Other conditions apply for lines over $250,000. You must carry insurance on the property that secures this plan. Consult your tax advisor regarding deductibility of interest. Customers may convert all or part of BPHELOC balance to a fixed rate Home Equity Loan. Transfers must be completed within draw period. Minimum transfer amount of $10,000. Up to 3 transfers allowed. A processing fee of $100 charged for each transfer.
(3) Other conditions may apply for loans over $250,000. APRs apply to owner occupied residences only. You must carry insurance on the property that secures this plan.

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158 Route 206 North
Gladstone, NJ 07934
Phone: (908) 234-0700

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