Home Equity Lines and Loans

Quit living in the past.

Life offers many opportunities. Sometimes just having access to extra cash can make all the difference. With appreciated home values and low rates from St. Mary’s Bank, there’s no better time to put the equity in your home to work for you.

Easy, affordable access to cash when you need it.

Home Equity Line of Credit
Currently at 4.00% APR*, Prime – 0.51%APR* for the life of the loan.

Home Equity Loans
Currently as low as 6.24% fixedAPR**.

Act now – limited time offer
Take advantage of these special low rates. Equity line and loan applications are fast and easy, apply today and close as fast as 48 hours.

At St. Mary's Bank we offer options.
Whether you prefer a fixed rate or the flexibility of a line of credit, we offer both home equity loans and lines at great rates. Look no further, we have the right product for you.

*Variable Annual Percentage Rate (APR) based on Prime Rate published in the most recent edition of the Wall Street Journal preceding the start of the billing period. Prime -0.51% for the life of the line, current Prime Rate (3.25% as of 12/29/08), with a loan-to-value (LTV) ratio up to 80%. One-to-four family owner occupied NH properties only. Rate and terms may change at any time and vary by loan amount and LTV ratio. Minimum APR 4.00% and maximum APR 16%. $50 annual fee will be waived with automatic payment from a St. Mary’s Bank checking account. If a line of credit agreement is paid in full and closed within two years of activation, a prepayment fee of $250 applies. $25,000 minimum draw required at closing - may be paid off at any time. Properties held in trust are subject to $200 fee. Not available for homes currently for sale. Property insurance required. Flood insurance may be required. Applications subject to credit approval. 48 hour closing may be available in most instances on loans of $50,000 or less. Processing time varies by property title.

**Annual Percentage Rate (APR) accurate as of 11/3/08 and subject to change. Rates as low as 6.24% on 60-month term with automatic payment from a St. Mary’s Bank Beyond Checking account. Subject to 80% Loan to Value (LTV). One-to-four family, owner-occupied properties in NH only. Not available for homes currently for sale. Property insurance required. Flood insurance may be required. Application subject to individual approval. 48 hour closing available in most instances on loans of $50,000 or less. Processing time varies by property title. $200 fee for properties held in trust. Other rates and terms (up to 180 months) available.