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Fixed Rate
Home Equity

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  • Fixed Rate Home Equity

Fixed Rate Home Equity

There’s cash in your house, and Northfield can help you find it with a Fixed Rate Home Equity Loan!(1) Learn how much equity you have in your home, and how you can borrow against it with predictable, fixed monthly payments.

Account Details

  • Fixed Interest Rate
  • Predictable Monthly Payments
  • Flexible Term Options
  • Apply Online
  • Rate Reduction for Automatic Payment and E-Statement Enrollment(2)

Account Highlights

  • Applying is Easy

    Applying is Easy

  • Expert Support

    Expert Support

  • Convenient Closing

    Convenient Closing

Apply using our convenient online application in less than 20 minutes. Or if you prefer, download a PDF application or stop into any branch office.

Apply Online
Applying is Easy

Our home equity lending team is available at (732) 587-2230 or equityloans@enorthfield.com to assist at any point during the application or closing process.

Expert Support

Your loan closing can take place at any branch office, your home, or office. Whatever is the most convenient for you!

Convenient Closing
Automatic Payment Setup

Enjoy the convenience and piece of mind of having your monthly Home Equity Loan payment directly taken out of your bank account so you know your payments are always made on time.

To set up recurring monthly payments from your account held at Northfield Bank or another financial institution, complete and submit our ACH Payment Authorization Form.

Automatic payment activation may take five business days after we receive your completed form, so please continue to make your payments with another method until you receive confirmation from us.

Sign Up for Automatic Payments
Automatic Payment Setup

(1) Loans subject to credit approval. Prospective borrowers must be of legal age in order to apply for a loan. Eligible properties include owner occupied, 1-2 family residences and condominiums in NJ, PA, the five boroughs of New York City, and Nassau, Rockland, Westchester and Orange counties in NY. Investment properties, cooperatives and purchase money transactions are excluded. Adequate homeowner’s insurance is required and federal flood insurance is required for properties in a designated flood zone. Borrowers are responsible for mortgage recording fee (estimated range $120 - $220 in NJ/PA and $72 - $120 in NY). Rates and terms are subject to change at anytime without prior notice.

(2) Rates for fixed rate loans reflect a 0.25% reduction for BOTH automatic payment deduction from a checking account acceptable to Northfield Bank AND enrollment in E-Statements. To be eligible for the discounted rate, borrower must BOTH establish Automatic Payment no later than at the time of account opening AND enroll in E-Statements no later than 30 days after the time of account opening. In order to maintain the rate reduction, BOTH automatic payment deduction AND enrollment in E-Statements must remain for the term of the loan.  

 

 

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