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 intact. We offer low rates and easy ways to make payments. Talk to one of our experienced mortgage lenders about how you can get started.
We can help you turn those dreams into reality!
- 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
Visit our online Mortgage Web Center for more information.
Turn Big Ideas into Better Living with a Home Equity Loan!
Special Fixed Rates:
12-72 Months: 5.74% APR *
73-120 Months: 5.99% APR *
121-144 Months: 6.24% APR *
Why Choose The Dime Bank? We offer no application fee, no flood search fee, no property search fee, no points or origination fee and no mortgage recording fee.
*APR=Annual Percentage Rate, effective as of 03/16/2026 and may change or discontinue at any time. $5,000.00 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 $5,000.00 to $150,000.00. The monthly payment per $1,000.00 borrowed at 5.74% APR for a 72-month term is $16.45.
The payment does not include amounts for taxes and insurance premiums; the actual payment will be greater. An automatic payment from an account at The Dime Bank is required. Other rates and terms available. Financing subject to credit approval. 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.
HOme equity line of credit (HELOC)
Home Equity Line of Credit (HELOC)
Relax with ready financing for whatever hit comes your way. A line of credit draws from your home's 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.
The Dime Bank believes in creating amazing customer experiences with the best in banking online and in person so your financial goals become your reality. We're your community bank with several branches in Northeast Pennsylvania.
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