• 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 2020	80% Estimated 2020	Maximum Monthly Income	50% Estimated 2020	Maximum Monthly Income
Essex, Hunterdon, Morris, Sussex, Union	$103,200	$82,560	$6,880	$51,600	$4,300
Middlesex, Monmouth, Ocean, Somerset	$112,500	$90,000	$7,500	$56,250	$4,687.50
Bergen, Hudson, Passaic	$81,800	$65,440	$5,453.33	$40,900	$3,408.33
Mercer	$108,700	$86,960	$7,246.66	$54,350	$4,529.16
Warren	$80,400	$64,320	$5,360	$40,200	$3,350
Burlington, Camden, Gloucester	$101,500	$81,200	$6,766.66	$50,750	$4,229.16
New York City (Bronx, Kings, New York, Queens, & Richmond Counties)	$81,800	$65,440	$5,453.33	$40,900	$3,408.33
Nassau, Suffolk	$126,600	$101,280	$8,440	$63,300	$5,275

Above are the 2020 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.

Download an application.