Home EQUITY Loans

REFRESH YOUR HOME

Saratoga Federal home equity loans and lines of credit give you the flexibility to create a home that compliments your lifestyle. Whether you renovate on your own or hire professionals, affording an upgrade may be easier than you realize. 

Beyond Home Improvement
Home loans can be used for so much more than home renovations.  Using a home loan is an affordable way to consolidate your debt, buy a car, pay for college tuition and more.  Connect with us to find out how we can help.

We're so much more than a great rate.

  • Credit Scores of 600+ Welcome
  • Same Rate for All Credit Scores
  • Borrow up to $250,000
  • Closing in as Little as 5 Days
  • Borrow up to 100% of your Home's Value
  • No Pre-Payment Penalty
  • No Application Fee
  • No Annual Fee

 

 

 

 

Apply in minutes and access the extra equity in your home.

518.583.2323

Option 1 - Apply for a Loan
Lending Phone Center Available 24/7 - Even on Holidays

Apply Today

 

Disclosures
Eligible Properties:  1 to 2 family owner occupied as primary residence only.
Geographic Areas:  Only properties located in the following counties will be considered:  Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington.
Any second mortgage lien must be satisfied at or prior to closing and can be paid with loan proceedings.

 

Resources

What You Should Know About Home Equity Loans

Confused by the lending lingo?  Not sure how borrowing against the equity in your home works?  We have the answers to your questions.

Protect Your Loan

You know that you need home insurance, but how do you get the best deal?  Through our relationship with Liberty Mutual Insurance, we can get you a free, no obligation quote.

Debt Protection

Your credit union wants to ensure that you and your loans are protected.  Protect your family and lessen the burden of making your loan payments should you become unemployed, disabled or lose your life with Debt Protection.