Home Improvement Loans & Lines

The value of your home can help you obtain a life-changing loan that can be used for almost anything. Add a few rooms. Remodel your kitchen. Buy something special. Travel somewhere exciting. Our low rates and flexible repayment plans unlock a world of opportunities.

• Low fixed rates
• Borrow up to 85% of your home's equity (Equity is your home's market value minus the remaining balance on any mortgages)
• Take up to 20 years to repay
• No closing costs**
• Schedule convenient automatic payments through Online or Mobile Banking
• Interest payments on home equity loans may be tax-deductible.

*ADDITIONAL “NO CLOSING COST” PRODUCT DISCLOSURE: “No closing costs” means PS Bank (‘Bank’) will waive origination fee, credit report fee, title search fee, flood determination fee, mortgage recording fee, bank attorney fee, automated valuation fee, and mortgage tax. Any expense not specifically listed herein is the responsibility of the borrower. Bank’s intent is to utilize and pay for an automated valuation of the collateral property. If a more extensive appraisal is requested by the applicant or is deemed necessary by Bank for any reason, the applicant will be responsible for the cost charged by the appraiser. Property and hazard insurance are required and are the responsibility of the borrower. Flood insurance may be required. If you pay off and close the loan or line within 36 months of opening, you must reimburse us the third-party fees paid in connection with opening the loan or line. Fees paid to third parties generally total between $207.00 and $957.00. Please consult your tax advisor to determine if interest is tax deductible. Additional terms and conditions may apply. Rates subject to change without notice. Applies to Pennsylvania properties only.

There are times when life gets a little expensive. That's when it's nice to have access to extra money at a moment's notice. With a Home Equity Line of Credit, you can make a major purchase, pay tuition bills, cover medical costs - or simply do something nice for your family. One easy application gives you access to cash as many times as you need it and for whatever you choose.

• Low introductory rates
• Credit limits up to 85% of your home's equity (Equity is your home's market value minus the remaining balance on any mortgages)
• No closing costs*
• Easily access funds with checks, digital banking tools, or at PS Bank branches
• Good choice for paying off higher interest loans or credit card balances
• Property and hazard insurance are required and are the responsibility of the borrower.

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*ADDITIONAL “NO CLOSING COST” PRODUCT DISCLOSURE: “No closing costs” means PS Bank (‘Bank’) will waive origination fee, credit report fee, title search fee, flood determination fee, mortgage recording fee, bank attorney fee, automated valuation fee, and mortgage tax. Any expense not specifically listed herein is the responsibility of the borrower. Bank’s intent is to utilize and pay for an automated valuation of the collateral property. If a more extensive appraisal is requested by the applicant or is deemed necessary by Bank for any reason, the applicant will be responsible for the cost charged by the appraiser. Property and hazard insurance are required and are the responsibility of the borrower. Flood insurance may be required. If you pay off and close the loan or line within 36 months of opening, you must reimburse us the third-party fees paid in connection with opening the loan or line. Fees paid to third parties generally total between $207.00 and $957.00. Please consult your tax advisor to determine if interest is tax deductible. Additional terms and conditions may apply. Rates subject to change without notice. Applies to Pennsylvania properties only.

Do you want to increase the value of your home with fixed monthly payments? PS Bank can help with an unsecured home improvement loan. This loan does not leverage any of your assets, and no appraisal or title search are needed. Our goal is to get you your funds in just days. All you have to do is provide a bid list or material list for your project. 

The unsecured home improvement loan is great for:

• Kitchen
• Bathroom
• Roof
• Siding
• Pool
• Landscaping
• Basement remodeling
• Porch or patio

Offer is subject to credit approval. Terms up to 15 years. Additional terms and conditions may apply. Program available for properties located in PA only. 

PS Bank is proud to offer an exclusive home equity loan product, Home Equity 100%. This product offers our customers the ability to borrow up to 100% of the value of their home to make their next big purchase with no closing costs*. You can finance home improvements, buy a vacation home, splurge for that RV, or even use toward a new boat. Ask our team how you can take advantage of Home Equity 100%. Getting started is easy.

Limited Time Offer effective as of August 16, 2022. Rates may differ based on credit score, property/dwelling type, or term of loan. Maximum loan to value is 100%. Rates for terms up to 240 months are available. Offer subject to credit approval. Additional terms and conditions may apply. Applicant is responsible for third party fees at closing, ranging from $825.00 and $1,000.00. Applies to Pennsylvania properties and primary residence only. Does not apply to manufactured homes. Consult your tax advisor to determine if interest is tax deductible. Property and hazard insurance are required and are the responsibility of the borrower.