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P.O. Box 435, Saratoga Springs, NY 12866
Phone: (518) 581-1201 ext. 3900 / 1-800-723-1201
Fax: (518) 581-7076
Our rates are fixed and start at 4.99%.
Use a home equity loan to finance a major expense such as home repairs, medical bills or education.
Home Equity loans should be considered carefully since a lien is placed against your house until the loan is paid off. There are generally two types – fixed and variable or adjustable rates. The fixed rate offers a consistent monthly payment without any adjustments. A variable rate Home Equity loan may carry a better interest rate to start with but can change in the future. Many variable rate loans offer the ability to pay interest only for a set period of time. Obviously this will give you smaller payments in the beginning since no principle is being paid. The downside to this loan is that you may go several years without reducing your loan amount.
If you have questions or would like to discuss your specific situation feel free to contact me, John Bottisti, at 800-723-1201 ext. 3900.