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HOME EQUITY LOANS

Put the equity in your home to work—or play

Home equity loans are secured against value that you’ve built up in your home: meaning your down payment, what you’ve paid toward principal in your monthly mortgage payments and home appreciation. They typically come with lower interest rates than unsecured loans.

You can use home equity loans for anything you like, from home improvements to travel or education costs. We offer two ways to tap your home equity: a fixed-rate loan for a set amount, and a variable rate line of credit.

Home Equity Loan

This is our standard fixed-rate loan that’s secured by your home. It’s also known as a second mortgage. You borrow a lump sum all at once, and your monthly payment never changes for the life of the loan.

Home equity loans are great if you know exactly how much cash you need. You can use the loan for anything—but if you use it for home improvement, you can deduct the interest from your income tax (please consult your accountant).

Home Equity Line of Credit

A home equity line of credit (HELOC) lets you borrow what you need, when you need it; you only pay interest on the money you withdraw within the first 10 years. These loans are great for ongoing projects. The interest rate varies based on market rates.

Meet Our Team

Jennifer Brooks

Jennifer Brooks
Real Estate Loan Specialist
800.619.6575 ext. 7554
NMLS# 644376

Hinsdale Walmart Branch
Keene Branch
Loans in Vermont

Apply Now With Jennifer Brooks

Carol Callihan

Carol Callihan, CMP
Real Estate Loan Specialist
800.619.6575 ext. 2048
NMLS# 644374

Amherst Branch
Hudson Walmart Branch
Nashua Branch

Apply Now With Carol Callihan

Rob Derrickson

Robert Derrickson
Manager Real Estate Loan Originations
800.619.6575 ext. 8339
Cell phone: 603.812.1542
NMLS# 170208

All Branches and National Loans
Apply Now Rob Derrickson

Krysten Fowler

Krysten Fowler
Real Estate Loan Specialist
800.619.6575 ext. 2910
NMLS# 1703882

Epping Walmart Branch
Exeter Branch
Portsmouth Branch
Tyco Branch

Apply Now With Krysten Fowler

Matt Gallant

Matt Gallant
Real Estate Loan Specialist
800.619.6575 ext. 2262
Cell phone: 603.957.8393
NMLS# 1132974

Bedford Branch
Manchester Walmart Branch

Apply Now With Matt Gallant

Larry George

Lawrence “Larry” George, CMP
Real Estate Loan Specialist
800.619.6575 ext. 7588
Cell phone: 603.957.8393
NMLS# 162531

Derry Walmart Branch
Salem Branch
Salem Walmart Branch

Apply Now With Larry George

Jennifer Getzie

Jennifer Getzie
Real Estate Loan Specialist
800.619.6575 ext. 7679
Cell phone: 603.957.8181
NMLS# 1529265

Hampton Branch
Newington Branch
Portsmouth Branch
Seabrook Branch
Falmouth Branch
All towns & cities in Massachusetts
Grand Forks Branch
All National Loans

Apply Now With Jennifer Getzie

Chris Gilman

Christopher W. Gilman
Real Estate Loan Specialist
800.619.6575 ext. 7643
Cell phone: 603.252.1011
NMLS# 644375

DHMC Branch
Lebanon Branch
Loans in Vermont

Apply Now With Chris Gilman

Kathleen Horgan

Kathleen S. Horgan
Real Estate Loan Specialist
800.619.6575 ext. 2025
Cell phone: 603.812.3809
NMLS# 644378

Berlin Branch
Concord Walmart Branch
Franklin Branch
Gorham Walmart Branch
Laconia Branch
Lancaster Branch
Plymouth Walmart Branch

Apply Now With Kathleen Horgan

Michael Schulenberg

Michael Schulenberg
Real Estate Loan Specialist – National
800.619.6575 ext. 6587
NMLS# 313608

Grand Forks Branch
All National Loans
Portsmouth Branch
Portsmouth Walmart Branch

Apply Now With Michael Schulenberg

Christine Wellington

Christine Wellington
Real Estate Loan Specialist
800.619.6575 ext. 6959
NMLS# 1444729

Pease Air National Guard Base Branch
Pease Branch
Rochester Branch
Somersworth Branch
Somersworth Walmart Branch

Apply Now With Christine Wellington

Michael Mulhern

Michael Mulhern
Asst. Vice President – Real Estate Lending
800.619.6575 ext. 8332
NMLS# 276051
Apply Now With Michael Mulhern

To see today’s home equity rates, please click here.