Home Equity

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Life is full of expected—and unexpected—expenses. We can help!

From renovations and tuition to debt consolidation and even medical bills, you can put your home’s equity to work to help you cover the costs and in a manner that works for your situation and goals.

You deserve a financial partner who’s as invested as you are in getting it to—and through—whatever comes next. Use the chart below to discover all the ways we can help.

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Product	Home Equity Loan
Description	You borrow a fixed amount for a fixed term.
Interest Rate	The rate and payment amount are set for the life of the home equity loan. This type of loan provides maximum predictability.
Maximum Loan Amount	Based on available equity
Fees	NO application, appraisal, attorney fees, or closing costs on primary residences.
Rates	Rates
Apply	Apply

Product	Home Equity Line of Credit (HELOC)
Description	You may borrow anytime for as much or as little as you want up to your approved credit limit. As you repay the balance, you may use your line of credit again and again.
Interest rate	“Prime All-the-Time” – the rate adjusts and is set to The Wall Street Journal Prime Rate.
Maximum Loan Amount	Based on available equity
Fees	NO application, appraisal, attorney fees, or closing costs on primary residences.
Repayment Period	Ten-year draw period followed by a fifteen-year repayment period.*
Rates	Rates
Apply	Apply

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* Interest only repayment option.

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Contact a Lending Expert Today!

	Mary Coughlin VP/Residential Mortgage Manager NMLS# 1785303 413-629-1605 Email

	Spring Burke VP/Advisor NMLS# 597840 413-629-1635 Email

	Janice Acklin AVP/Advisor NMLS# 759347 413-629-1608 Email

	Richard Whalen Secondary Market Manager NMLS# 2244352 413-629-1610 Email