Home improvements start with smart financing Borrow up to $10,000 for home improvements Features a fixed rate with a maximum 10-year term Available to low- and moderate-income homeowners of 1- to 4-family, owner-occupied homes in the New Jersey and New York counties listed below When you're ready to start a home renovation project, consider our Special Home Improvement Loan, designed specifically for customers in our market. Its competitive rate provides the financing you need without breaking the bank. Here's how you can qualify, depending on your county of residence: County FFIEC Estimated 2018 80% Estimated 2018 Maximum Monthly Income 50% Estimated 2018 Maximum Monthly Income Essex, Hunterdon, Morris, Somerset, Sussex, Union $100,700 $80,560 $6,713 $50,350 $4,195 Bergen, Hudson, Middlesex, Monmouth, Ocean, Passaic $78,000 $62,400 $5,200 $39,000 $3,250 Mercer $98,900 $79,120 $6,593 $49,450 $4,120 Warren $76,100 $60,880 $5,073 $38,050 $3,170 Burlington, Camden, Gloucester $92,400 $73,920 $6,160 $46,200 $3,850 New York City (Bronx, Kings, New York, Queens, & Richmond Counties) $78,000 $62,400 $5,200 $39,000 $3,250 Nassau, Suffolk $116,700 $93,360 $7,780 $58,350 $4,862 Above are the 2018 FFIEC median family income limits for our assessment area. If a borrower's total income is less than 80%, he/she is considered a moderate-income borrower. If the income is 50% or less, he/she is a low-income borrower. Apply Online or download an application.