2664 Route 130
Cranbury, NJ 08512
Put your home to work with a loan that gives you the freedom to make things happen. Use the equity in your home for refinancing, home improvements, debt consolidation, college tuition, a dream vacation, and more. First Bank’s Home Equity Loans offer the following benefits:
First Bank also offers convenient home equity line options: a standard Home Equity Line of Credit and a Home Equity Hybrid Line of Credit. A home equity line is a great way to pay for some of life's most important expenses. Just write a check drawn on the account for the amount you need now and pay interest only on that amount. If you need more later, write another check! It's that simple! Use the equity in your home to make improvements, take a dream vacation, consolidate your bills, pay college tuition, and more.
All home equity line products offer:
Current Annual Percentage Rate (APR)2
Prime plus 1.00%
Prime plus 1.50%
Current Annual Percentage Rate (APR)2
1 All Home Equity products require borrower to pay a mortgage recording fee and any other applicable recording fees or taxes depending on property location. Home Equity Loans and Lines of Credit over $250,000 require Title Insurance and an Appraisal paid by the borrower. Other costs may also apply. Limited to 80% of the combined loan to value based on the estimated or appraised value at time of loan. Applies to owner occupied (primary residence and vacation home) 1-2 family homes, townhouses, and condominiums in First Bank’s lending area. Homeowners insurance from the insurer of your choice is required. Federal flood insurance is required for any property located in a designated flood zone. Interest may be tax deductible; consult your tax advisor for details.
2 The Annual Percentage Rates (APR) shown above are effective as of September 5, 2017 and are subject to change at any time. The APR includes only interest and no other costs. The APR is based on the value of an index plus an applicable margin. The index is the Prime Rate (Prime) as published in the Wall Street Journal, which is currently 4.25%. The Home Equity Line of Credit has a variable interest rate and the APR may change. The Home Equity Hybrid Line of Credit has a fixed rate for the first five years and then converts to a variable interest rate during the Repayment Period of Prime plus 1.00% for 1st lien position and Prime plus 1.50% for 2nd lien position; the APR may change. The maximum APR during the lines of credit is 18.0 percent.
Obtaining a mortgage does not need to be intimidating or overwhelming. First Bank has partnered with MeridianBank Mortgage (Meridian). Meridian has a longstanding tradition of providing unparalleled customer service and a reputation built on adding value to the home loan process. Their experienced mortgage consultants will guide you through the often confusing process of obtaining a loan to meet your specific needs. You’ll feel confident knowing you’re dealing with experienced professionals. When applying for a mortgage at First Bank, you’ll benefit from:
For additional information you can contact Greg Perri, Jr. (NMLS# 643149), Consumer Lending Manager, First Bank, at 609-643-0474 / firstname.lastname@example.org, or Lisa Obringer (NMLS# 1432458), Account Executive, MeridianBank Mortgage, at 215-391-1785 / email@example.com or Click Here to apply.
Get into the driver’s seat with a First Bank Consumer Auto Loan. Look to First Bank to finance your next purchase or lease-buyout, or to reduce your current interest rate by refinancing. You’ll feel confident you’re getting the deal that fits your needs. First Bank’s features are:
Whether you need to consolidate bills or make a significant purchase, First Bank’s personal secured loans offer the perfect balance of flexibility and competitive interest rates. As a First Bank customer, you’ll receive:
First Bank offers checking account holders the opportunity to obtain an Overdraft Protection Line of Credit to cover overdrafts, up to your available credit line. Overdraft Protection gives you peace of mind in case you accidentally exceed your checking account balance. No more bounced checks - whenever you write a check that exceeds your account balance, First Bank will automatically transfer the appropriate loan amount (in multiples of $100) to your checking account and then automatically start your monthly repayment plan directly from the same account.
All loan products are subject to underwriting eligibility; other conditions may apply.
As an added convenience, you can have any First Bank Loan payment deducted directly from your First Bank checking or savings account.
**** For additional information call any of our locations or contact our Consumer Lending Manager, Greg Perri at 609.643.0474 / firstname.lastname@example.org ****