Home Equity Line of Credit

Home Equity Line of Credit or HELOC

Use the equity in your home to achieve your dreams.

  • Use the HELOC to make improvements, pay tuition, consolidate bills or other purposes.
  • Utilize up to 80% of the value of your home up to a maximum of $75,000.

Differences between a fixed rate home equity loan and HELOC

  • Five year draw period with 15 years to pay back the line of credit.
  • Variable interest rate.
  • No closing costs if the line of credit is open for 3 years with a minimum balance of $5000.
  • Introductory rate discount, some restrictions apply - talk to a Mortgage Lending Originator for details.
  • Several ways to access your line of credit.

HELOC vs Fixed Rate Home Equity Chart

Click here to apply - Members

Click here to apply - Non-Members

View HELOC Rates

Call (716) 665-7000 for more information.

NMLS# 442826

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168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000

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