Home Equity

Ambler Saving Bank makes it easy and convenient to borrow money using the equity in your home. We offer a variety of home equity loan products to fit your needs. All loans are serviced by our local lenders who are here to guide you through the application process. 

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Our Lending Area Includes:

Pennsylvania Counties:
Berks, Bucks, Carbon, Chester, Dauphin, Delaware, Lebanon, Lancaster, Lehigh, Northampton, Monroe, Montgomery, Philadelphia, Schuylkill
New Jersey Counties:
Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Ocean, Salem

Whether you need financing for home improvements, a vacation, bill consolidation, or refinancing an existing mortgage, we will help you achieve your goal by putting the equity in your home to work through home equity loans and home equity lines of credit (HELOCs).

Home Equity Term Loans

  • Fixed and affordable interest rates with terms ranging from 5 to 20 years
  • Minimum loan amount $25,000
  • Up to 80% loan-to-value ratio
  • Automatic payment is available from your Ambler Savings account or any bank or credit union in the United States

Home Equity Loans

Effective As of 5/21/2025

TermMinimumFirst Lien Position APR*Second Lien Position APR*
5 Years$25,0006.000%6.500%
7 Years$25,0006.000%6.500%
10 Years$25,0006.250%6.750%
15 Years$50,0006.500%7.000%
20 Years$50,0007.000%7.500%

Maximum loan amount: 80% of value less any mortgage balance. Maximum loan: $750,000 *APR = Annual Percentage Rate. Property insurance is required. Example: Based on a 5 year, $25,000 home equity loan with an APR of 6.000%, you would make 60 monthly payments of $483.33.  Other rates and terms are available. Rates are subject to change. Subject to credit approval. For further information, please see one of our Loan Officers. 

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Home Equity Lines of Credit (HELOC)

  • Minimum line amount $25,000 
  • Maximum line amount $1,000,000
  • Flexibility of withdrawing funds as you need them
  • No annual fee
  • Up to 90% loan-to-value ratio
  • Automatic payment available from your Ambler Savings Bank account or from any bank or credit union in the United States
  • Online Bill Pay – Minimum disbursement of $100
Apply Now

Home Equity Line Of Credit Special

Introductory Rate As Low As

5.49% APR*

for 6 months

Variable Therafter As Low As

7.50% APR*

*Home Equity Line of Credit Terms and Conditions: The 6-month variable introductory APR (Annual Percentage Rate) is based on The Wall Street Journal Prime Rate (“Prime”) (7.50% on ‎12/19/2024) minus 2.01%. Prime may change at any time and is subject to change without notice. If Prime increases or decreases during the 6-month Introductory Period, the variable introductory APR and minimum required payment will correspondingly change. The Introductory Period begins on the date of account opening. Line increases to existing HELOC’s are not eligible for this offer. After the Introductory Period ends, any and all remaining balances will automatically convert to the variable APR per the terms of the HELOC agreement. Variable APR is based on Prime plus a margin and will vary with Prime. Your APR will not exceed 7.00% above the initial APR. Apart from this “Rate Cap,” there is no limit on the amount by which the rate can change during any one-year period. The HELOC term is 30 years: 10-year draw period, 20-year repayment period. Subject to credit approval. Property insurance is always required and flood insurance is required where necessary. Certain property types are not eligible collateral. Title insurance and appraisal are required on lines over $400,000. The maximum loan-to-value ratio is 90% for Primary Residence based on credit score. Maximum loan-to-value ratio is 80% for Owner Occupied Second Homes. Monthly payments required when there is a balance.  Minimum line amount is $25,000. Maximum line amount is $1,000,000. A $400 application fee applies. Additional fees may apply. The combined amount of all third party fees for a line of credit generally total between $450 ($25,000 line) and $5,000 ($750,000 line). Rates are subject to change.  NMLS# 504402

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