Is there Extra Equity in your home?

Unlock your Home’s Equity with our Home Equity Loan Products

Are you ready to tap into your home’s equity and give your home some extra love! Or maybe it’s time for some improvements, pay off debts, purchase another property, or even pay for college tuition?

1.99% APR for 6 months

A Home Equity Line of Credit or Home Equity Loan may be right for you:

  • Up to 85% financing*
  • With minimum loan amounts of $25,000.
  • Available on both Primary and secondary residence, and investment properties
  • Expert, personalized service from start to finish.

Line of Credit:

*1.99% for 6 months exclusions apply

Repayment options available

Home Equity Loan:

Principal and Interest Payments

Terms up to 20 years*

We know your time is valuable and our online application process is designed for convenience. Let Sawyer Savings be your online mortgage lender. Get started by visiting our Online Mortgage Center. Once you apply, our Lending Originator, Jennifer will help you choose the right residential lending product to fit your needs.


*APR= Annual Percentage Rate. APR based on a loan amount of $100,000.00. Rate caps are lifetime caps. Variable rates may be increased after consummation. Bank may pay up to $0-$3000 in closing costs. The introductory rate is fixed for first 6 months. During the 10 year draw period, the interest rate will be Wall Street Journal Prime Rate, adjusted quarterly. The current rate as of 2/26/24 is 8.50% and maximum APR of 17.50%. Fixed rate repayment for the final 15 years. Certain restrictions apply. Must meet qualification guidelines. Homeowner’s insurance and flood insurance (if applicable) required. Payments do not include Real Estate Taxes and Insurance. The actual payment may be greater. Consult your tax advisor regarding interest deductibility. Rate, terms, & conditions are limited time offer that can change at any time and are effective as of 2/26/24. Recapture Fee: If the account is paid off and closed within 36 months of the Note Date, the Bank will recapture the bona fide third-party charges which generally range from $0 to $3000 that are paid by the lender in connection with the transaction. This is not a repayment penalty.

Ready to get started?
Let’s find your perfect mortgage, together.

photo of Jennifer MusciContact Me

Jennifer Musci

Lending Originator

NMLS# 1481886

Direct: 845-217-6011
Fax: 845-691-7183
85 Market Street Saugerties, NY 12477