Borrow up to 100% of the Equity in your New Jersey or Pennsylvania Home
We're here to help you get the cash you need, when you need it. Whether you’re looking to consolidate debt, make upgrades to your home or cover unexpected expenses, now you can with an Atlantic Federal 100% loan-to-value Home Equity Line of Credit (HELOC). Borrow up to your home's full value, minus your first mortgage balance. You pay only when you borrow money and as you make payments to us, those funds become available to you again.
- Get rates as low as 3.00% APR*!
- No Application Fees & No Closing Costs**
- 10 year draw period; 15 year repayment period
- Free convenience checks to easily access account
- No pre-payment fees
- Low $25 appraisal fee
- Optional Payment Protection Plan
APR=Annual percentage rate. Based on 80% loan to value, direct deposit and automatic payment. Variable rate based on the prime rate plus or minus an index which is determined depending on loan to value, credit worthiness & adjusted quarterly. Loans limited to NJ and PA owner occupied 1-2 family dwellings. Rates are subject to change without notice. **Refinance fee will be waived for credit line draws of $50,000 or greater. $500 refinance fee for existing Atlantic Federal real estate loans below $50,000. $109 tax service fee may apply.