Real Estate/Home Loans

Mortgage Loans

With access to a number of different options, SaviBank has the loan type to fit what you are looking for in a mortgage. Whether you are a first time homebuyer, want to build your dream home or simply refinance your existing mortgage we can help.

Home Equity Fixed Rate Loans

The perfect way to utilize equity in your home to pay for home improvements, tuition costs or those expenses you did not see coming. The flexibility is yours. Low fixed rates available with your choice of terms.

Home Equity Line of Credit (HELOC)

SaviBank offers a product that gives you access to the equity in your home only when you need it.  This revolving line of credit is flexible with interest only payments for the first 10 years, with the balance amortized over the remaining 20 years. This loan has a variable rate.*

* The HELOC product has no initial loan fee. There is an annual fee of $50, waived in the first year. The borrower is responsible for all third party charges associated with origination, which may include a fee for appraisal or internal evaluation, title, credit report, flood zone determination (including life of loan coverage) and other reasonable charges. The index for this variable rate loan is “PRIME RATE” as published in the Wall Street Journal, plus a margin. The Margin will vary from 0.70% to 4.70%, with a floor rate equal to the initial rate, and a ceiling rate of 18.0%. As of September 1, 2018, based on the current value of the Index, the Annual Percentage Rate (APR) ranges from 5.95% to 9.95%. The maximum APR is 18.0%.


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