Main Content Login Locations Contact Security Rates Open an Account Resources Skip Text HOME EQUITY LOAN This is an excellent borrowing solution if you have a specific and immediate need in mind. Our fixed-rate loan is determined by the equity you have in your home. The loan is distributed in one lump sum and can be repaid through a variety of loan terms. SPEAK WITH AN EXPERT Apply Online FEATURES Easy budgeting with fixed monthly payments Convenient and flexible terms On-time, scheduled payments via WebWise® Online Banking *Approval of a home-equity line requires that you meet our credit criteria, income ratios and loan-to-value guidelines. Minimum approved credit line and loan is $7,500. Closing costs are waived for Home Equity Line of Credit and loans up to $250,000 and are estimated to range between $565–$3,190. If line of credit or loan is closed within three (3) years, the customer will reimburse the Bank for all third-party fees paid by the Bank, including mortgage-recording tax. Additional terms and conditions may apply. The property must be owner-occupied or a second home. Property insurance required. Offer may be withdrawn at any time without notice. Mortgage is subject to credit and property approval. RATES Click here to see our current home equity rates. > To learn more, please call our Residential Lending Department at (518) 584-5844 or email us. HELPFUL CALCULATORS Here are some useful calculators: Should I refinance? How much will my fixed-rate mortgage payment be? YOU MAY ALSO BE INTERESTED IN: Home Equity Line of Credit > Checking Accounts > Financial Learning Center > Savings Accounts > Stay Connected Sign UpWebsite Feedback © 2020 Adirondack Trust Company Get In Touch 473 Broadway Saratoga Springs, NY 12866 (518) 584-5844 Email Customer Service Quick Links Lost or Stolen Card Reorder Checks Open an Account Calculators Careers Legal Information Privacy Notice Terms of Use Security Alerts Disclosures Forms NYSDFS FAQs NMLS#645688 Site Map Routing#021302884 Member FDIC Investment & Insurance Products are: NOT A DEPOSIT * NOT FDIC INSURED * NOT GUARANTEED BY THE BANK * NOT INSURED BY ANY GOVERNMENT AGENCY * MAY GO DOWN IN VALUE Above and Beyond and the Adirondack Trust Company logo are registered trademarks of The Adirondack Trust Company. - Get Adobe Reader The web site you have selected is an external one located on another server. Adirondack Trust Company has no responsibility for any external Web site. It neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. Thank you for visiting Adirondack Trust Company's Web site. Continue