• Adjustable rate conventional loans 
  (including jumbos)
• 15, 20 & 30 year conventional fixed rate loans (including jumbos)
• 5/1 ARM program
• 10/1 ARM program
• Construction Mortgages
• No application fee
• No point loans available
• Loans for future principal residences and second home or refinancing
• 90% financing available
• Pre-approvals available

1. Home Equity Line of Credit - An equity open end line of credit lets you tap into available funds as you need them.

• Borrow up to 90% of the assessed value of your home at prime rate
• Borrow from $10,000 up to $150,000
• 10 years to draw and 20 years to repay
• Pay no closing costs on equity lines that remain open for two years or more
• Possible tax advantages - see your tax advisor
• 10-year interest only payment option
• Borrower responsible for the mortgage tax

2. Mini Home Equity Loan - Get cash all in one lump sum to cover a variety of expenses.

• Borrow up to 90% of your home's assessed value
• Borrow from $10,000 up to $75,000
• Take 4 to 15 years to repay
• Pay no closing costs on loans that remain open for 2 years
• Possible tax advantages - see your tax advisor
• Fixed rate based on term & personal credit rating
• Borrower responsible for the mortgage tax

Call our loan department at (914) 631-1381 for more information on all our real estate products.