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Apply for a Home Equity Loan or Line of Credit

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Want to talk it over with one of our experts before you apply? Give us a call at 585.336.1000 or 800.848.2265, and we’ll answer your questions and complete your application.

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Apply Online

Applying for an ESL Home Equity Line of Credit or Loan online is easy and completely secure. So go ahead — click to get started now!

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Visit a Branch

Prefer face-to-face interaction? Stop in and apply for your ESL Home Equity Line of Credit or Loan in person. 

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Want to get answers to your questions in real-time? Click Chat Now, and one of our specialists will guide you.

Before You Begin

No matter which convenient option you choose, our application process can be quick and easy if you take the following steps before you begin.

Step 1: Review the requirements:

  • Must be an ESL member
  • Must own your home
  • Must have available home equity

Step 2: Be able to provide the following:

  • Telephone numbers, addresses, and Social Security Number(s) for any persons listed on the application
  • Income or employment verification:
    • Employer name, length of employment, and gross salary/income
    • Recent paystub and W2s (tax return information)
    • Financial information regarding additional sources of income such as second employers, social security, pension, SIP, 401K, rental income, etc.
  • Financial information regarding expenses such as loans, credit cards, liability to pay child support, and separate maintenance payments
  • Mortgage details, including home value, current balance, and monthly payments
  • Homeowner’s insurance information (including proof of flood insurance, if applicable )
  • Annual property tax information

Step 3: Apply for your Home Equity Loan or Line of Credit:

  • Utilize any of the four convenient options below to finish your application.
  • Still have questions?
  • Final approval is subject to completion of the loan process, including a property valuation and title review.
  • Property appraisal:
    • ESL may conduct a property valuation after your application is submitted.
    • The valuation type is based on multiple factors, including amount, credit tier, and property value.