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Consumer Home Improvement Loan

Looking to build a kitchen worthy of a professional chef, a luxury bath retreat, or a deck to entertain family and friends? Highlands State Bank can make it happen.

A Consumer Home Improvement Loan from Highlands State Bank is a great way to make those home improvements you’ve been dreaming about.

Consumer Home Improvement Loan

The Consumer Home Improvement Loan offers homeowners the opportunity to finance home improvements including a new kitchen or bath, a pool, patio, or deck, and many other common home improvements. Call today for full details.

Account Highlights

  • Home Improvement Loans start at $5,000, with a maximum of $50,000
  • Loan terms of 5 years or 10 years.
  • APR* for 5 year loan is 5.99%
  • APR* for 10 year loan is 6.99%
  • Collateral accepted: 1–4 family, owner occupied primary residences.**

*Annual Percentage Rate (APR) shown assumes auto-debit of monthly payments from a Highlands State Bank checking account. Rate without auto-debit from a Highlands State Bank checking account increases .25%. **No exceptions on collateral. Loan must be used for home improvement purposes only. New York residents must pay all applicable Mortgage Taxes. Offer subject to credit approval and requirement.

A $50,000.00 loan with a fixed interest rate of 6.99%, APR of 6.99% for ten (10) years will have a monthly payment of $580.48. Payments do not include taxes or insurance and the actual payment may be higher. The loan applicant is responsible to pay all costs associated with processing the application. These costs total approximately $248.54 and are due at consummation of the loan. 100% maximum loan to value.

National Mortgage License Information

Highlands State Bank Company ID: 472214

Julie Boerner NMLS # 629524
Phil Caggiano NMLS # 1004379
James Cha NMLS # 180502
Peter DeVico NMLS # 93850
Joseph L Ennis Jr. NMLS # 61431
Charles Ercolano NMLS # 60071
Sherri J Grayson NMLS # 974419
Steven P Haft NMLS # 296547
Robert G Marcantonio, NMLS # 87096

Eugene Park NMLS # 575818
Francesco Perez NMLS # 93879
Kathy Petryk NMLS # 629532
Jose Placencio NMLS # 1471814
Joseph Sainato NMLS # 768658
Denise Spina NMLS # 1566906
Steven Testa NMLS # 460176
Mary Ziegler NMLS # 771046

For billing error inquiries, please mail to:
Highlands State Bank
Attn: Loan Department
P.O. Box 160
Vernon, NJ 07462

Get Started.
Contact Us Today.

Please fill out the form and a representative will contact you with information about the Consumer Home Improvement Loan.


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