Home Equity Loans

Fixed rate loan available to access the equity in your home.  Rates and payments stay consistent to keep you on track.

Pre-Payment Penalty: 
None

Benefits:
Same Rate for All Credit Scores
Fastest Turnaround in Town
No Closing Costs for Up to 80% Combined Loan to Value (CLTV)
Borrow Up to $250,000
No Pre-Payment Penalty
No Application Fee
No Annual Fee
Unlocks Thanku Discount Elibigility

Interest Rate:
Fixed

Term:
Up to 20 Years

Loan Limit Amount:
Up to $250,000

Maximum Loan to Value (CLTV):
100%

RATES

Home Equity Loans:  Closing costs including title search, attorney’s fee, appraisal fee and recording fee will be paid by Saratoga Federal on behalf of the borrower through this promotion.  Borrower will be required to pay the New York State Mortgage tax and an origination fee if applicable.  An origination fee of 1% of the loan amount will apply to Home Equity Loans with a combined loan to value (CLTV) above 80%