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If your home is worth more than you owe on it, a home equity loan at The Dime Bank can provide funds for anything you want, not just projects to fix up your home. Also called a second mortgage, this loan is a smart way to leave your savings funds in tact. We offer low rates and easy ways to make payments. Talk to one of our experienced mortgage lenders about how you can get started.

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Is it time for a kitchen remodel, fresh landscape, or a beautiful backyard deck? Spring into action with a 3.25% APR* no fee home equity loan. Your home's value can pay for your dreams.

Tap into the value of your home.

Get cash for whatever you need, with unique advantages including:

  • A limited time fixed rate of just 3.25% APR*
  • No fees
  • Local service and decision making

Talk with us today.

Discover the benefits of community banking and let one of our helpful loan officers structure a loan tailored to your specific needs. Give us a call at 1-888-4MY-DIME (1-888-469-3463) or stop by any branch to discuss your options.

*APR=Annual Percentage Rate, effective as of 03/18/19. $10,000 minimum in new money required, defined as money not currently borrowed from The Dime Bank. Stated APR applies to terms from 12 months to 72 months and loan amounts of $10,000 to $150,000. The monthly payment per $1,000 borrowed at 3.25% APR for a 72 month term is $15.31. An automatic payment from an account at The Dime Bank must remain for life of the loan to obtain stated rate. Other rates and terms available. Financing subject to credit approval. Offer is valid as of 03/18/19 and may change or discontinue at any time. Evidence of homeowners insurance and flood insurance, if applicable, is required prior to loan closing. Mandatory NYS mortgage tax applies for NY residences to be paid by borrower. Limited time offer. Certain restrictions apply; please inquire for full details about credit costs and terms.

Summary:

  • Use home equity loans for financing various projects
  • Leave savings and emergency funds intact
  • Competitive low rates
  • Flexible terms for affordable payments
  • No prepayment penalty
  • Receive funds in one lump sum
  • Local service and decision-making
  • Experienced lenders familiar with the local market
  • Dedicated personal service
  • Loans subject to credit approval

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Relax with ready financing for whatever hit comes your way. A line of credit draws from your home equity and provides flexibility. Use what you need, as you need it, and pay interest only on what you use.

Summary: 

  • Use home equity for ready financing
  • Leave savings and emergency funds intact
  • Competitive low rates
  • Use what you need, as you need it
  • Convenient ways to draw funds
  • Pay interest only on what you use
  • Potential tax advantages**
  • Local service and decision-making
  • Experienced lenders
  • Dedicated personal service
  • Loans subject to credit approval

**Consult a tax advisor.