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Home Equity Loans
That next big purchase might not be as far off as you think. Use your home to secure a loan or line of credit so you can go ahead and make your dreams a reality.
Borrow up to 80% of the value of your home from Chicopee Savings Bank. This financing can be ideal for the purchase of a second home or college education, eliminating credit card debt, doing home repairs, or anything else!
- Loan
Borrow the available equity that you have accumulated in your home. Perfect for a one-time large expenditure or home improvement project.
- Borrow up to 80% of home's value
- Use funds for most anything
- Competitive fixed interest rate
- Interest may be tax deductible*
- Homeowners insurance required
- Personal focus on customer service
- Experienced loan officers
- Local approvals and underwriting
NOTE: Home Equity Loans closed within 24 months will be subject to a $400 pre-payment fee.
*Consult your tax advisor.
- Line of Credit (HELOC)
Access the equity in your home simply by writing a check. Your monthly payment is determined by the actual principal amount advanced and is interest-only during the draw period. You will have up to 10 years for drawing funds, plus 10 years for repayment.
- Use funds for most anything
- Variable interest rate
- Easy access to funds
- Use it as you need it
- Pay interest on only what you use
- Interest may be tax deductible*
- Pay it off and use it again
- Homeowners insurance required
- Personal focus on customer service
- Experienced loan officers
- Local approvals and underwriting
NOTE: Home Equity Lines of Credit closed within 24 months will be subject to a $400 retirement fee.
*Consult your tax advisor.
