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Home Equity Loans

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Whether you’re looking to make home improvements, pay for a child’s education or consolidate debt, a home equity loan or line of credit may be the solution for you.

Mortgages

Home Equity

Construction Loans

Homebuyer Dream Programs

Homebuyer Education

Homebuyer Seminars

Accessory Dwelling Units

Reverse Mortgage

Experience matters and we’re here to help you find the right loan to fit your situation. Our Mortgage Specialists are available at a mutually agreeable time at the office location most convenient for you.

We’re here to offer solutions when you need financing. If you have equity in your home, you might be able to leverage it for other purposes. Property values are up and you might have more equity than you think! There is no obligation to inquire. Depending on your situation, financing may be available in as little as three weeks! Why wait? But you won’t know until you explore further.

No annual maintenance fee
No application fee
No prepayment penalty
Interest may be tax-deductible¹
No required minimum draw from line of credits
Interest rate is fixed for the entire closed-end loan term
Minimum loan amount is $10,000
Maximum Loan Amount is $500,000²
Loan terms of 5, 10 and 15 years available

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Home Equity Contact Request

I am interested in talking to someone about a home equity loan or line of credit.

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¹ Please contact your tax advisor to determine eligibility for a tax deduction.

² Total indebtedness (combined mortgages) may not exceed $850,000.

FAIR LENDING STATEMENT:
Ulster Savings Bank is committed to making high quality banking and credit services available to all applicants consistently and in compliance with fair lending laws and within the confines of safe and sound banking practices. Ulster Savings Bank believes that its commitment to fair lending is a good business practice as well as a basic responsibility of the company. The Bank’s success at serving a wide range of consumer and business customers is essential to the economic welfare of the community in which it conducts business and to the continued growth and vitality of the company.

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