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Home Equity Loans

Why choose Walden Savings Bank for your Home Equity Loan needs?

We have the options you are looking for! We offer the draw flexibility of Home Equity Lines of Credit or the long-term payment stability of a Home Equity Loan. Use the equity in your home to further your education, consolidate debts, complete a long overdue home improvement project or to take that dream vacation. Our local underwriting decisions and knowledge of the Hudson Valley provide you with the service level you expect and deserve.

Contact one of our Mortgage Loan Consultants today to discuss your home equity options.

Our Rates

Loan Type Rate APR
Home Equity Line - As low as 6.250% 6.250%8
Home Equity Loan - As low as 5.000% 5.000%9

APR Assumptions as of 09/22/2022 09:42 AM
rates subject to change

Get Started!

Call 845-457-7700, option 5, or have one of our Mortgage Loan Consultants contact you about our home equity loan rates.

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Home Equity Lines of Credit

Perhaps you don't require the funds today, but you want full access available when you need it.  Walden Savings Bank's Home Equity Line of Credit allows you to draw at any time during the first ten years.

  • No Closing Costs*
  • Minimum loan amount of $10,000
  • Home equity line of credit rate adjusts based upon the published Wall Street Journal Prime**
  • Up to 80% CLTV (Combined Loan to Value)
  • Draw not required at closing
* Closing costs paid by the Bank if the loan remains open for 3 years. Borrower must pay appraisal fee on loan amounts greater than $100,000.
**The Home Equity Line shall have an interest rate floor equal to the starting APR and an interest rate ceiling of 16.00% APR.
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Home Equity Loans

Do you know the dollar amount you need and want to lock in today's low rate? Then a fixed rate Home Equity Loan is for you.

  • No Closing Costs*
  • Minimum loan amount of $10,000
  • Home equity loan rate is fixed for the term of the loan
  • Up to 80% CLTV (Combined Loan to Value)
  • 5 year, 10 year and 15 year repayment terms available
* Closing costs paid by the bank if the loan remains open for 3 years. Borrower must pay appraisal fee on loan amounts greater than $100,000.
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