2nd Mortgage or HELOC

You’re eligible to apply if you:

  • Own Your Home
  • Have Mortgage Payments

The equity in your home can help you pay for things such as:

  • New Siding
  • Insulation
  • Heating System
  • Appliances
  • New Roof
  • Backyard Swimming Pool
  • New Kitchen
  • New Addition
  • Other Home Improvements
  • Credit Card Debt
  • Education
  • Vacation
  • Or Anything Else You Can Dream Up!

As your Financial Partner, NET wants you to remember:

  • Look for our Home Equity Line of Credit Specials during our Home Improvement Months.
  • Sign up for email updates to be the first to hear about our Specials.
  • Ask how You can Raise Your Credit Score before you apply so you get the Best Interest Rates.

2 Types of Equity Loans

2nd Mortgage

2nd Mortgage is commonly known as a Home Equity. These loans are secured by the collateral in your home; therefore these loans generally have lower interest rates than  – for example an unsecured, personal loan.


HELOC is a Home Equity Line of Credit.  HELOC allows you to access your money (equity) as you need it.  You’ll have great flexibility.  This is not a loan, but rather a line of credit.

If you’d prefer a fixed rate product to access your home’s equity, apply for 2nd mortgage.

Tell us your goals, and we’ll offer the best solution. For more information call our Loan Department at 570-961-1100. As with any loan product, we suggest you Raise Your Credit Score before getting the loan so you can get the best interest rate!  Ask us how you can Raise Your Credit Score today!


**All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.