Fixed rate. Unlimited opportunities.

You've worked hard to build the equity in your home. Now, make it work just as hard for you.

With fixed rates and extended terms, a home equity can help tackle whatever life throws at you.

Bathroom remodel? No problem. Building a new roof? You're covered. From tuition to credit card debt to everything else in between, a home equity offers you the freedom you need to accomplish whatever it is you need.

Check out our calculators, articles, and resources to find out if a fixed rate home equity is the right fit for you.

Home Equity Loan Rates

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What do I need to apply?

It's easier than you think! Just gather Proof of Ownership and Proof of Income:


Qualified proof required, such as the deed to your property.


Traditional employment income:
•    Two years W2s
•    30 days paystubs

Self-employment income:
•    Two years signed tax returns

Retirement income:
•    Two years 1099s

Rental property income:
•    Two years signed tax returns

...and that's all you need!
Apply online or schedule an appointment to take the next step.

*Eligible Lending Counties - Geographic Boundaries

Visions can lend to the following areas if a person qualifies for membership:

New Jersey:

Bergen, Essex, Hudson, Hunterdon, Monmouth, Middlesex, Morris, Passaic, Somerset, Sussex, Warren, and Union

New York:

Broome, Cayuga, Chemung, Chenango, Cortland, Delaware, Dutchess, Jefferson, Livingston, Madison, Monroe, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Otsego, Rockland, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wayne, Westchester, Wyoming, and Yates.


Berks, Bradford, Carbon, Chester, Cumberland, Dauphin, Lancaster, Lebanon, Lehigh, Monroe, Montgomery, Northampton, Pike, Schuylkill, Susquehanna, Tioga, Wyoming, and York.