Personal Banking

Loans & Lines of Credit

With Ridgewood, you always have options to put your home to work for you. We offer two affordable Home Equity products that will help you take advantage of your home's additional value when you need it.

Home Equity Line of Credit

With Ridgewood's low cost Home Equity Line of Credit, you can use the money at your convenience simply by writing a check. Borrow up to 80% of the appraised value of your home, less your existing mortgage balance, up to $300,000. Our Line of Credit also features a low Introductory rate which adjusts monthly.

'Nice 'n' Easy' Home Equity Loan

Your home is one of your most valuable investments, and that's why you can take advantage of your home's equity with a Ridgewood 'Nice 'n' Easy' Home Equity Loan. Think of a reason, and we'll make it nice and easy for you with a rate fixed for the life of the loan. Borrow up to 80% of the appraised value of your home less your existing mortgage balance, up to $300,000. The lower the rate at application or closing will be the rate in effect for the life of the loan. Reduce your interest rate by ½% if you opt to have your monthly loan payment automatically deducted from your Ridgewood Checking Account.

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