Lending Services

Loans and lines of credit can provide you with personal or business funds, reduce your borrowing costs, and give you potential tax benefits. Use them to consolidate your debt; transfer or pay off credit cards; transfer or pay off personal, car and student loans; or purchase or renovate your home or business. You can get funds for today’s needs without tapping your long-term investments. Lending options include:

Mortgages

These are loans to purchase or refinance a home. We’ll let you know what your best options are.

Home Equity Loans and Lines of Credit

As you pay down your mortgage, your payments go toward loan interest and what’s called “principal,” the actual value of your home. The total principal you’ve already paid is the “equity” you currently have in your home. You can borrow against this equity for major purchases, college funding and other expenses. Some nice advantages: home equity loan (or line of credit) rates are often low, and may be tax-deductible.

Securities-backed Lines of Credit

You can open a line of credit backed by the value of your own investment portfolio (your securities). Securities-backed lines allow you to have money available without disrupting your long-term investments.

Small-business and Equipment Financing

You can consider any combination of loans, lines of credit, and leasing options to finance up to 100% of the cost of furniture, medical equipment, machinery and other business expenses.