The Only Home Equity Line You'll Ever Need!

The quest to find the money you need for the things you want can be a challenge.  With a home equity line of credit, you can use the equity in your home to borrow with flexibility.

ESSA-LOC offers the convenience of a low variable rate line of credit you can access when you have borrowing needs combined with the flexibility to convert all or a portion of your balance into a fixed rate advance with a fixed payment and term.1  



  • Borrow what you need, when you need it
  • Lines range from $10,000 to $500,0002
  • 10 year draw period / 20 year repayment period
  • Choose to have up to 3 fixed rate advances simultaneously.  Each advance has a fixed rate, term, and payment.

For a timely response you must direct all billing inquiries and requests for information on your loan to:  ESSA Bank & Trust, Attn: Loan Servicing, PO Box L, Stroudsburg, PA 18360-0160.


All loans are subject to credit and collateral approval.


The fixed rate is determined at the time each Fixed Rate Advance is established based on a separate rate schedule.  A $75 rate lock fee applies when each advance is established.  This fee is waived when a Fixed Rate Advance is established at closing.


Maximum loan is $500,000 for primary home ($100,000 for 2nd home).