Home Equity Loans in NJ

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If you’re a homeowner, you work hard to pay for your home. Maybe it’s time to put your home to work for you with a NJ Home Equity Loan. Home improvements, special vacation, new vehicle, whatever you are looking for, your home equity can help provide it!

Check out our current rates!

Home Equity LOC
75% CLTV

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  • Affordable monthly payments
  • Variable rate loan
  • Borrow up to 75% of the value of your home
  • Maximum loan amount of $200,000
  • Line of Credit – take money as you need it
  • Flexible payment plans up to 20 years

Special Introductory Rateoffer ends September 30, 2015
2.25% APR* for the first 90 day | rates thereafter 3.25% – 3.60% APR

Speak to one of our Mortgage Specialists today for details, terms and conditions.
(732) 225- 1505 or mortgages@pinnaclefcu.com

*APR=Annual Percentage Rate. An introductory rate of 2.25% APR will apply for the first 90 days. Thereafter, the rate will adjust to fully indexed rate (today’s rates 3.25% – 3.60%) at first adjustment date following the 90 day introductory period. Indexed rate based on creditworthiness. The introductory rate is for new applications only. Applications are good for 30 days from date of submission. Loans are only offered in New Jersey, New York or Pennsylvania on owner occupied primary residential properties only. To qualify for the introductory rate, you must close on your Home Equity Line of Credit by December 31. 2015. Minimum line of credit amount is $5,000. Maximum loan amount is $200,000 or up to 75% equity in your home or 70% equity for condominium, whichever is less. A floor rate of 3% for the life of the loan will apply after the introductory rate expires. The maximum APR that may be imposed will be 16%. There is no application fee or charge. There is a 5 year draw period. During the draw period, payments will be due monthly and payment will be calculated to satisfy interest due. The interest will begin to accrue when money is taken from the line of credit. The Initial and subsequent advance amounts must be at least $500. After the draw period expires, payments will be calculated to pay off the loan balance in equal monthly payments by the maturity date. For variable rate loans, the rate may change quarterly based on the prime rate from the Wall Street Journal published 30 days before the change date. Not all borrowers will qualify. Rates effective as of April 1, 2015. Rates subject to change without notification. Pinnacle Federal Credit Union is an equal housing lending. NMLS# 423010.

Home Equity
80% CLTV

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  • Affordable monthly payments
  • Fixed rate loan
  • Borrow up to 80% of the value of your home
  • Maximum loan amount of $200,000
  • One lump sum – receive the money all at once
  • Flexible repayment plans up to 20 years

Speak to one of our Mortgage Specialists today for details, terms and conditions.
(732) 225- 1505 or mortgages@pinnaclefcu.com

Rates will be determined based on creditworthiness, and term of loan. Loans are only offered in New Jersey, New York, or Pennsylvania on owner occupied primary residential properties only. Maximum loan amount is $200,000 or up to 80% CLTV in your home or up 75% for condominium, whichever is less. There is no application fee or charge. For qualified borrowers only. Pinnacle Federal Credit Union is an equal housing lending. NMLS# 423010.

Home Equity & LOC
100% CLTV

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  • Affordable monthly payments
  • Available as a line of credit or one lump sum
  • Borrow up to 100% of the value of your home
  • Maximum loan amount of $250,000

Speak to one of our Mortgage Specialists today for details, terms and conditions.
(732) 225- 1505 or mortgages@pinnaclefcu.com

Rates will be determined based on creditworthiness, term and type of loan. Loans are only offered in New Jersey, New York, or Pennsylvania on owner occupied primary residential properties only. Maximum loan amount is $250,000 or up to 100% CLTV in your single-family detached, townhouse, duplex or condominium, whichever is less. There is no application fee or charge. For qualified borrowers only. Pinnacle Federal Credit Union is an equal housing lending. NMLS# 423010.

Home Improvement
133% CLTV

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Get your projects done. It’s time – stop putting off those home improvement projects and get the job done with help from our Home Improvement Loans.

  • Affordable monthly payments
  • Borrow up to 133% of the value of your home
  • Maximum loan amount of $250,000
  • Available as a line of credit or one lump sum

Speak to one of our Mortgage Specialists today for details, terms and conditions.
(732) 225- 1505 or mortgages@pinnaclefcu.com

Rates will be determined based on creditworthiness, loan amount, and term of loan. Loans are only offered in New Jersey, New York, or Pennsylvania on owner occupied primary residential properties only. Maximum loan amount is $250,000 or up to 133% CLTV in your single-family detached, townhouse, duplex or condominium, whichever is less. Loan amounts of $7,500 or less will be considered unsecured loans. Loan amounts above $7,500 will be mortgage loans with Pinnacle FCU in no less than second lien position. There is no application fee or charge. Call for current rates, terms and conditions. Pinnacle Federal Credit Union is an equal housing lending. NMLS# 423010.

Purchase Money
Second Mortgage

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Purchasing a new home and need a little extra cash? Our Purchase Money Second Mortgages is perfect for down payments on your new home

  • Affordable monthly payments
  • Borrow up to 100% of the value of the home you are buying
  • Maximum loan amount of $250,000
  • Available as a line of credit or one lump sum

Speak to one of our Mortgage Specialists today for details, terms and conditions.
(732) 225- 1505 or mortgages@pinnaclefcu.com

Rates will be determined based on creditworthiness, and term. Loans are only offered in New Jersey, New York, or Pennsylvania on owner occupied primary residential properties only. Maximum loan amount is $250,000 or up to 100% CLTV in your single-family detached, townhouse, duplex or condominium, whichever is less. There is no application fee or charge. For qualified borrowers only. Pinnacle Federal Credit Union is an equal housing lending. NMLS# 423010.
**NMLS# 423010. Pinnacle FCU is an Equal Housing Lender.