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Home Equity Loans & Lines

You’ve built up equity in your home. Now’s the time to set it free.

You’ve built up equity in your home. Now’s the time to set it free.

Borrow up to 80% of the value you’ve built up in your home to pay for big expenses from education to home improvements and more.

Kearny Bank offers a variety of Fixed Home Equity Loans and Home Equity Lines of Credit to choose from, and payments can be automatically deducted directly from your Kearny Bank checking account. There is also no prepayment penalty.

Use our home equity loan calculator to determine your payments or for more details call us at 800-273-3406.

Home Equity Loan Rates

Account Interest Rate APR Months Additional Information Monthly Payment per $1,000
5 Years Fixed Rate Equity 3.750 3.909 60 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. 18.30
10 Years Fixed Rate Equity 4.000 4.088 120 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. 10.12
15 Years Fixed Rate Equity 4.250 4.314 180 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. 7.52
20 Year Fixed Rate Equity 4.500 4.553 240 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. 6.33

Note: Current rates are for new home equity loan/line customers only. Minimum amount for new loans/lines is $5,000. For refinance of existing Kearny Bank loans, a minimum increase of $10,000 must be requested, or the loan must have been opened for a period of one year prior to the date of application.

All interest rates are for NJ properties only and are subject to change without notice. Effective Annual Percentage Rate (APR) listed are as of 9/16/2019

 

Home Equity Line of Credit Rates

Account Interest Rate APR Months Additional Information
15 Year Revolving Credit Line 4.500 4.500 180 $5,000 Min, $500,000 Max, 75% LTV, 1-4 Family Owner Occupied, Prime Rate minus .50%, maximum rate is 18.00% (ceiling rate), minimum rate is 4.500% (floor/start rate). A $195 Commitment Fee will apply. NO APPLICATION FEE. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.
15 Year Fixed LOC 6.500 6.500 180 $5,000 Min, $500,000 Max, 80% LTV, 1-4 Family Owner Occupied. A $195 Commitment Fee will apply. NO APPLICATION FEE. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000.

Note: Current rates are for new home equity loan/line customers only. Minimum amount for new loans/lines is $5,000. For refinance of existing Kearny Bank loans, a minimum increase of $10,000 must be requested, or the loan must have been opened for a period of one year prior to the date of application.

All interest rates are for NJ properties only and are subject to change without notice. Effective Annual Percentage Rate (APR) listed are as of 9/16/2019.

Home Equity Loans & Lines

We have taken out two home equity loans with Kearny Bank over the years and both times the process was INCREDIBLE!!!  Someone was always there to answer any questions and if for any reason you had to leave a message, someone ALWAYS called you back.

Terence J.

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