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Finance Your Home Improvement Projects with a Lender You Can Trust

Ulster Savings Bank has a long history of helping generations of Hudson Valley homeowners invest in their homes. Whether you’re planning a renovation, remodeling a kitchen, or tackling long-awaited upgrades, we’re here to help you find the right financing. With local expertise and a commitment to personalized service, we’ll guide you every step of the way.

Explore Home Equity Financing Options

Using the equity in your home can be a smart, cost-effective way to fund improvements. Choosing between a home equity loan and a line of credit doesn’t have to be complicated.

Home Equity Loans

A great option for larger, one-time projects, home equity loans provide a fixed amount with predictable monthly payments so you can plan with confidence. Fixed interest rates for the life of the loan and terms of 5, 10, 15, and 20 years give you stability and peace of mind.

Home Equity Lines of Credit (HELOCs)

Perfect for ongoing or phased projects, a HELOC gives you flexible access to funds when you need them. There’s no required minimum draw, so you can borrow at your own pace and manage your project on your timeline.

 

Our experienced team will walk you through your options, explain how each works, and help you choose what fits your goals and budget. We offer flexible solutions designed to fit your needs without unnecessary fees or surprises.

  • No annual maintenance fees
  • No application fees
  • Loan amounts from $10,000 up to $1.5 million
  • No prepayment penalties
  • No required minimum draw on lines of credit
  • Competitive rates, with interest that may be tax deductible1
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Equity Express - Big Home Plans. Easier Financing.

Dreaming about a new deck, a bathroom refresh, or finally tackling that roof or furnace? With the Equity Express Loan, you can move forward without relying on your home’s equity. It’s a fast, flexible way to fund projects up to $25,000, with a simple process designed to get you from idea to upgrade without the usual hassle.

  • Borrow up to $25,000 for a wide range of home improvements
  • Little to no home equity required
  • Low, fixed rates for the life of the loan
  • Flexible repayment terms up to 15 years
  • No application fee
  • Streamlined documentation for a simpler experience
  • Fast processing and expedited closing so you can get started sooner
Talk to an Expert

1Please contact your tax advisor to determine eligibility for a tax deduction.

FAIR LENDING STATEMENT:
Ulster Savings Bank is committed to making high quality banking and credit services available to all applicants consistently and in compliance with fair lending laws and
within the confines of safe and sound banking practices. Ulster Savings Bank believes that its commitment to fair lending is a good business practice as well as a basic
responsibility of the company. The Bank’s success at serving a wide range of consumer and business customers is essential to the economic welfare of the community in
which it conducts business and to the continued growth and vitality of the company.

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