Welcome home! Fixed-Rate Home Equity Loan
Home “Sweet” Equity Line of Credit

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. 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