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Home Equity Loans and Lines of Credit

With a Home Equity Loan or Line of Credit from Ledyard National Bank, anything is possible. Make home improvements, consolidate high-interest debt, finance an education and more. Ledyard offers low rates, exceptional service and NO CLOSING COSTS with a Home Equity Line of Credit. Call 888.RING.LNB to begin the loan process, contact us or Apply Now
 

PRIMEline Home Equity Line of Credit

Your PRIMEline account is the best way to take advantage of the equity in your home for bill consolidation, a new car, home remodeling costs, tuition... you name it. For details, call or stop by any Ledyard office. See rates.

4.00% RATE / 4.00% APR*

First-year rate for new lines of credit of $100,000 and up. Fixed for 12 months. Thereafter variable rate, currently 5.25% APR**

4.25% RATE / 4.25% APR*

First-year rates for new lines of credit of $25,000 - $99,999. Fixed for 12 months. Thereafter variable rate, currently 5.50% APR**

 
  • APR is adjustable monthly to The Wall Street Journal Prime Rate with a floor rate of 3.50%.
  • Lines up to $250,000 (higher amounts available)
  • Revolving equity credit line, easy checkbook access
  • Interest may be tax deductible†, consult your tax advisor

Perfect 10 Home Equity Loan

Your Perfect 10 account is another great way to take advantage of the equity in your home, with a fixed rate over 10 years. For details, call or stop by any Ledyard office. See rates.

4.75% RATE / 5.423% APR*

Fixed rate for 7-year term***

4.99% RATE / 5.477% APR*

Fixed rate for 10-year term***

 
  • Low, fixed rate stays fixed for the entire 10-year loan term
  • Loan amounts available starting at $10,000.
  • Interest may be tax deductible†, consult your tax advisor

Call 888.RING.LNB to begin the loan process, contact us or

Apply Now

*Annual Percentage Rate. Limited time offer subject to change or discontinuation. Offer valid only for new Ledyard home equity loan or line of credit clients.
**Minimum home equity line of credit available is $25,000. NO CLOSING COSTS for most borrowers: Ledyard National Bank will provide a Standard Closing Cost Credit (to offset the appraisal, title search, flood determination, credit report, and recording fees) to borrowers with an active deposit account with Ledyard, and an initial draw of at least $25,000; some exceptions apply. [The exceptions are: non-standard high cost appraisals, transactions involving trusts or other non-standard title work, and lender's title insurance applicable to first lien loans.]  Loan term: 10 year interest only revolving line of credit, automatically adjusting to a 15 year amortizing loan at year 11.  Ability to draw from line of credit ends at amortizing payment period. Post 12-month promotional period, variable periodic rate adjusts monthly as follows: For loans where the initial loan amount is $25,000 through $99,999 the contract rate will be The Wall Street Journal Prime Rate + 0.50% (currently 4.75%); for loans where the initial loan amount is $100,000 or more, the contract rate will be The Wall Street Journal Prime Rate + 0.25% (currently 4.50%). Post 12-month promotional period, variable periodic rate adjusts monthly as follows: The post-promotional interest rate will not go below 3.50% or above 18%. Estimated closing costs range from $715.75 –$1,137.50. Property insurance is required. For New Hampshire residents only, $350 pre-payment penalty if paid off and closed within 2 years.
***Minimum home equity loan available is $10,000. No pre-payment penalty. 10-year loan term with 4.99% rate: payment per thousand is $10.60. 7-year loan term with 4.75% rate: payment per thousand is $14.02. Payment amounts do not include taxes or insurance; actual obligation will be higher.
†The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult your tax advisor.

Personal and business banking relationships within the retail bank are subject to FDIC insurance coverage limits. Investment, tax and wealth management services offered by Ledyard Financial Advisors are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by the Bank or any affiliate, and are subject to investment risk including the possible loss of principal amount invested. Low rates. Exceptional service.

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