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Home Equity Loan

Go ahead, dive into that home addition, remodel project, or mortgage refi. The flexible terms and predictable payments are just right for the job.

Give your home or your finances an easy refresh.

Apply for a Home Equity Loan today.

How to apply

1. Annual Percentage Rate (APR) shown is current as of 10/25/18 and is subject to change without notice. The rate featured is for loans of $50,000 and above, a maximum loan to value of up to 80%, terms between 121-180 months and ESL listed as the first lien holder on the property. There are other rates available for loan amounts less than $50,000, for a loan-to-value exceeding 80%, for terms between 48-240 months and ESL lien position. Rate is available to new accounts only. Rate is subject to credit approval. 2. Property insurance and flood insurance, if applicable, are required. ESL will pay all the closing costs and fees in connection with the opening of your account. However, if you close your account within the first 36 months of your account open date, you must reimburse us for the closing costs and fees paid in connection with opening your account. Payment example on a 15-year, 1st lien position, fixed-rate loan for $50,000 at 5.25% APR (as of 10/25/18), 180 monthly payments of $401.94. 3. Qualification for the Owners’ Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed.