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Home Equity

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Home Equity

Many homeowners have a substantial amount of equity accumulated in their home. Equity is the difference between the present value of your home and the amount you owe, if any, on a mortgage. With our home equity options, we can give you an opportunity to use the valuable equity you have accumulated. There are several other reasons to consider a home equity line or loan.

  • It's convenient.
  • The interest on a home equity line or loan may be tax deductible. Contact a tax advisor regarding the deductibility of interest.
  • There are no closing costs as long as you maintain the account for at least 3 years.
  • Repayment options offer flexibility.

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Learn more about our home equity programs and which one is best for you!


Homeowners hazard insurance is required on all properties, and flood insurance is required on properties in flood zones. For more information, please call us at (607) 737-3815 or toll-free at (800) 836-3711 and ask to speak with a Home Equity Specialist. 

All loans require a collateral mortgage be filed. All loans subject to credit approval.  Closing costs vary depending on many factors, including loan amount, interest rate, term, and many others.  Please contact us at the numbers above for more details.