$899 Cahs-Out Refinance Program


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A refinance program that offers you the flexibility of cash back or paying off your existing home equity loan in New York with no points, no title fees and no other Valley fees. At the time of closing, applicants are responsible for interim interest and funding of an escrow account for real estate taxes and insurance. Other programs, including an $899 Refinance Program in New Jersey and Pennsylvania, are available.

ProgramInterest Rate*Annual Percentage RatePointsMonthly P&I Payment Per $1000
NY $899 Refi 10 Year Fixed*3.625%3.815% APR0 Points$9.95
NY $899 Refi 10 Year Fixed - Jumbo*3.875%3.913% APR0 Points$10.07
NY $899 Refi 15 Year Fixed*3.625%3.757% APR0 Points$7.21
NY $899 Refi 15 Year Fixed - Jumbo*3.875%3.899% APR0 Points$7.33
NY $899 Refi 20 Year Fixed*4.125%4.229% APR0 Points$6.13
NY $899 Refi 20 Year Fixed - Jumbo*4.375%4.396% APR0 Points$6.26
NY $899 Refi 30 Year Fixed*4.250%4.326% APR0 Points$4.92
NY $899 Refi 30 Year Fixed - Jumbo*4.500%4.515% APR0 Points$5.07

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For more information, please visit your nearest Branch office or call our local Customer Service Center at 1-800-522-4100, option 3.

*Rates are as of publication date (12/15/2017) and may be changed thereafter, without notice, until account is opened.

*As of 12/15/2017, a sample $100,000, 15 year fixed-rate conforming mortgage APR is 3.757% APR with a monthly payment of $7.21 per thousand. APR is subject to change. Estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in NY for single family, owner-occupied properties and condominiums only with a minimum loan amount of $100,000 and a maximum of $424,100. Co-ops and investment properties are not eligible for this program. Other programs are available for other loan amounts and properties. If applicable, approved applicants will also be responsible for assignment (e.g. CEMA), prepayment, and lien subordination fees from existing lenders, any NY mortgage recording taxes, and all other NY county or municipal fees. Cannot be combined with other offers. Subject to credit approval. Additional terms and conditions apply.