Fixed Rate Home Equity Loan
2nd Lien Position Only¹

If you already have a first mortgage but need to tap into the equity in your home to go on that dream vacation, make those major home renovations you've always wanted, purchase a new car, pay college tuition or so much more, a Home Equity Loan from Cross County Savings Bank may be just the right solution for you.  A Home Equity Loan from Cross County Savings Bank is secured by a second lien on your property.

Unlike a Home Equity Line of Credit, a Home Equity Loan does not have a draw feature.  It is a one-time loan that provides a lump sum of money you can use for whatever you want.  With our Home Equity Loan product, you'll repay the loan gradually over time, with fixed monthly payments.  With each payment, you pay a portion of the interest costs and a portion of your loan balance.

Contact Our Mortgage Professionals

Contact our Mortgage Department - Loan Originations at the address listed below today for more information about all of our mortgage loan products and to obtain an application so that you can get started today!

All applications must be mailed to or personally delivered to our mortgage professionals at:

Cross County Savings Bank
79-21 Metropolitan Avenue
Middle Village, NY 11379 
Phone: (718) 326-6300
Fax: (718) 326-6349
E-Mail: [email protected]
Monday - Friday: 8:30 am - 4:30 pm
Saturday: By appointment

NMLS #755830

Current Rates

1. All loan products are subject to credit and property approval. All mortgage loans are originated by Cross County Savings Bank. This website does not represent any offer to enter into a loan agreement. Fees and prepayment charges may apply depending on the loan product you select. Refinancing to payoff existing debt may extend the term of the debt, possibly resulting in higher overall costs and increasing the total amount paid. Fees are subject to change. Other terms, conditions and restrictions may apply. Please contact our mortgage professionals to inquire about all of the conditions that apply to the loan product that you are interested in.

You may file a complaint about Cross County Savings Bank or obtain further information from the New York State Department of Financial Services by calling the department's consumer assistance unit at 1-800-342-3736, or by visiting the department's website at www.dfs.ny.gov.