Consolidate debt with the equity in your home.  

Let's consolidate and save.

Our 15-year fixed rate home equity loan is a smart and affordable way to use your home’s equity to pay for the important things in your life. Take advantage of our 15-year fixed rate home equity loan offer with 4.99% APR and no closing costs* to consolidate high interest rate credit card and bill debt into one low monthly payment.  Use your home's equity to finance home improvements, education, major home purchases and much more!

  • It's simple and easy to apply.  Stop by any of our convenient locations or even start today with our online application.
  • Switch your current loans or lines to a better option. Make sure you're getting the best borrowing solution. Ask how you can move your existing debt to something better.
  • Feel secure about a fixed rate and budget friendly payments.  Know you're locked in for 15 years.

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Member FDIC. Application must be made September 4, 2018 through October 31, 2018   but is subject to change without notice. Standard underwriting criteria apply. Property must be located in the NWSB Bank service area. The Annual Percentage Rate (APR) is effective as of August 31, 2018, but may be modified or discontinued without notice. The minimum loan amount is $3,500. The interest rate for your loan is based upon your creditworthiness. With an APR of 4.99 %, the monthly loan payment is $7.90 for $1,000 borrowed for a term of 180 months. The loan amount is up to 90% loan-to-value. Property insurance is required. Payment must be automatically deducted from an NWSB Bank checking or statement savings account. All fees waived except for Appraisal, Title Insurance or Maryland Recordation tax if needed. If we are unable to determine the property value with an Automated Valuation Model (AVM) and Property Condition Report (PCR), the Bank may be required to order an appraisal. Subject to appraisal requirements. The cost of the appraisal will be the applicant’s responsibility. If the line request is over $250,000, title Insurance may be required and if so, the fee will be the applicant’s responsibility. In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower. Other rates and terms are available.

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