Welcome home! Fixed-Rate Home Equity Loan
Home “Sweet” Equity Line of Credit
½% below Prime for life.

Fixed-Rate Home Equity Loan

5.75% APR* 5 Year Term    6.25% APR* 10 Year Term    6.50% APR* 15 Year Term

All loans offer these great benefits:
     • Use the money for virtually any purpose
     • Borrow up to 75% of the equity in your home
     • No application fees
     • No closing costs
     • Gain Important tax advantages

*The APR is variable and adjusts according to the Prime Rate as published in the Wall Street Journal, currently 5.00%. The amount of your available credit line will be determined by the loan-to-value ratio of your residence as established by the bank. Talk to your financial advisor.

**APR’s subject to change without notice. At APR’s shown, monthly payments for each $1,000 borrowed would be $19.22 (5 year term), $11.23 (10 year term), $8.71 (15 year term). Minimum loan amount $10,000; maximum $500,000. APR’s shown apply to owner-occupied 1- to 4-family homes and condominiums.

530 Piermont Road
Closter, NJ 07624
(corner of Piermont and Homans Avenue)
www.northernstatebank.net
Phone: (201) 767-9995