Personal Lending
In today's lending climate, selecting the right lender is more critical than ever. Esquire Bank is committed to creating financial well being for our customers.
When you apply for a mortgage or home equity line of credit with Esquire, we carefully consider your needs and we take you through the steps to ensure your full understanding of the lending process and the loan program.
Residential Mortgages
Whether you are buying your first home, moving to a new home or refinancing, Esquire Bank understands that this is one of the biggest financial commitments you will make. That is why it is important to find a mortgage lender with deep industry experience; one you can trust to help you through the process.
- You will feel comfortable with our experienced lending team and the personalized service they provide from pre-qualification through closing.
- Competitive fixed and adjustable rates and terms to suit your needs
- Quick approvals and closings for qualified applicants
- Ability to have your monthly payment automatically deducted from your Esquire Bank savings, checking or money market account or your account at any other financial institution
- FREE online account access*
- For additional information, email or call 1-800-996-0213.
Home Equity Line of Credit
As a homeowner, you can access our most cost effective and flexible loan programs. Apply for an Esquire Bank Home Equity Line of Credit and you can borrow anywhere from $25,000 to $250,000 at competitive rates.* The credit line is there when you need it for any purpose.- Consolidate higher interest debt1
- Pay for major purchases
- Make home improvements
- Pay college tuition
Important benefits of an Esquire Bank Home Equity Line of Credit:
- No Application Fee
- No Closing Costs
- No Prepayment Penalty²
- Borrow up to 75% of the value of your home, less the first mortgage balance
- 10 year Draw Period; 20 year Repayment Period
- Interest-only payments during Draw Period
- Ability to have your monthly payment automatically deducted from your Esquire Bank checking or money market account
- Potential tax benefits - Consult your tax advisor concerning interest deductibility
* All lines of credit are subject to credit approval, verification, and collateral evaluation. Approval will be based on specific underwriting requirements. All lines of credit are originated by Esquire Bank. Products not available in all states. Terms are subject to change without notice. Maximum loan amounts vary by state.
To apply for an Esquire Bank Home Equity Line of Credit, click here or call 1-800-996-0213.1. While consolidation may decrease your overall monthly payment obligations, refinancing pre-existing debt with a home equity line will require you to give Esquire Bank a security interest in your home and may increase the total number of monthly debt payments, as well as the aggregate amount paid by a borrower over the term of the mortgage loan.
2. If the Line of Credit is terminated within the first (3) years after it is established, you will be required to reimburse Esquire Bank for the total closing costs paid by the Bank on your behalf. Property insurance and the fee to release an existing mortgage may be required. Closing costs in New York can range from approximately $1,000 to $5,500, and vary based on the line amount, property location, and title insurance required.
2. If the Line of Credit is terminated within the first (3) years after it is established, you will be required to reimburse Esquire Bank for the total closing costs paid by the Bank on your behalf. Property insurance and the fee to release an existing mortgage may be required. Closing costs in New York can range from approximately $1,000 to $5,500, and vary based on the line amount, property location, and title insurance required.
Line of Credit
Short of cash? Need a short-term loan? Apply for an unsecured line now so you are ready when you need extra cash.To apply for an Esquire Bank Line of Credit, click here or call 1-800-996-0213.
Click here to view our loan rates.