Posts Tagged ‘ home equity loans ’

Home Repairs. Vacation Oasis. College Tuition


With a Home Equity Loan, anything is possible!

At this very moment, there is something you need. If you’ve built up the equity in your home, you have just what you need to pay for those major purchases.

Here are a few ideas:

  • Repairing your home
  • Remodeling your home
  • Going green
  • Consolidating your debt
  • Paying for education
  • Purchasing a new car
  • Living your dreams

A Home Equity Loan is a fixed-rate loan based on the difference between your home’s equity and current market value. You’ll get your money all at once and then pay it back in predictable, fixed monthly payments.

Your home equity loan may be eligible for tax-deductible interest. You can use your loan to finance purchases or consolidate existing debts while retaining tax deductible status for the interest you’ve paid on your loan. Please consult your tax advisor.

Learn more about our Home Equity Loans and check out our rates now!

To apply now, click here. Or you may stop into any branch to apply.

 

 

Think Spring Home Improvement


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We’re dangerously close to March and if you’re like most people in Southcentral PA you have had enough of this winter weather. You’re looking to get outside and start enjoying some sunshine and some warmer weather, right?

It’s the time of year to start thinking about rediscovering the outside world and if you’re a homeowner, that rediscovery should include some annual springtime home maintenance. As the days hopefully get nicer, you may want to spend some time on the following so you don’t end up with costly repairs or damages later on:

Inspect your roof – Look for any water damage, missing shingles or related defects. A leaky roof can add up to a whole host of issues inside and out.

Clean your gutters – Clogged gutters are a recipe for disaster. They can break off, cause leaks and more.

Check your HVAC filters – Now is a great time to clean or replace your filters which you should be doing more than once a year anyway. Dirty filters cause your HVAC systems to work harder which means higher heating and cooling bills. And, let’s face it, if the motor blows on your system, then you end up with yet another costly repair.

Dryer vents – Dirty, clogged dryer vents lead to one thing – fires. The lint trap on your dryer doesn’t catch every fuzzy. Make sure you’re cleaning them out with your vacuum. Clean dryer vents help your dryer run more efficiently.

The washer – Check all of your washing machine’s hoses for cracks. Cracked hoses end up causing leaks. Leaks mean you’re going to get water all over the place – either as one big flooded floor or you could end up with a slow drip you’re unaware of that seeps down between your floor and subflooring and the next thing you know, you have an issue with rotting wood and extra repairs.

Window screens – Gently scrub your window screens, patch holes or replace them.

Decks, driveways, fences and more – These these don’t clean themselves, even when it rains. You may need to power-wash, repair, paint, stain and so on to keep them looking extra spiffy.

Cracks – Check for cracks in concrete, wood, and so on. Fill ’em up. Seal cracks around windows and doors, your pipes, bathtub and so on.

Paint – Peeling, chipped, cracked paint just doesn’t look good. Touch up painting is an easy fix.

Smoke alarms and carbon monoxide detectors – If you don’t have them, get some. If you do have them, change the batteries. Do this more than one time a year. You cannot underestimate the power of these inexpensive alarms and how much impact they can have in saving your life or the lives of your loved ones and pets. Invest in some fire extinguishers as well and know how to use them.

The frig – Vacuum your refrigerator coils to keep them nice and clean. If they’re covered in layers of dust, they’ll work harder, and you’ll have a higher electric bill. Clean them often. And while you’re at it, give the inside and outside of the refrigerator a good cleaning and disinfecting.

Prepare your power tools – Sharpen your lawn mower blades and check all of your other tools like chainsaws, trimmers, etc. so that they can run as efficiently as possible.

Reduce heating & cooling bills – Consider shades, shutters or other window treatments such as curtains that keep heat out and cool air in.

Check your homeowner’s or renter’s policy – Now is a great time to review your coverage. If you’d like a free quote to compare your current policy give our Insurance Services department a call.

Need help financing a home improvement project? Check out our home equity loan.

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