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Home Equity Lines of Credit
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Last Updated: 04/18/2025

1st Constitution Bank HELOC

in Home Equity Lines of Credit from 1st Constitution Bank

Last Updated: 04/18/2025

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Highlights

Credit Score Range

650 - 850

Amount Range

$10,000 - $500,000

Maximum LTV

N/A

Minimum Draw

N/A

Loan Term (Years)

N/A

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1st Constitution Bank HELOC Review

1st Constitution Bank HELOC is offered by 1st Constitution Bank (NMLS #433840), a bank founded in 1989 and based in Cranbury, NJ. 1st Constitution Bank HELOC are available in 1 state.

Key Takeaways

  • Fair credit accepted. Borrowers with a credit score as low as 650 may qualify for 1st Constitution Bank HELOC.
  • Only primary residences considered. 1st Constitution Bank HELOC does not offer financing for vacation homes or investment properties.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

1st Constitution Bank HELOC Pros & Cons

1st Constitution Bank HELOC FAQ

How much can you borrow with a HELOC?

HELOCs are lines of credit secured by your home. Once approved, you can access funds by check, phone, credit card, or online up to your credit limit.
Borrowers can apply for lines of credit of up to $500,000. The maximum amount depends on property value, existing mortgage balance, and creditworthiness.
Typically, borrowers with good credit can qualify for up to 85% of the property value, minus the balance on their first mortgage.

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does 1st Constitution Bank HELOC charge for a HELOC?

1st Constitution Bank HELOC may charge an origination fee.

What types of property can you use as security for a HELOC with 1st Constitution Bank HELOC?

1st Constitution Bank may consider HELOCs secured by the following property types:
  • Primary residences

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1st Constitution Bank HELOC logo

Message from 1st Constitution Bank HELOC

Home Equity Loans and Lines of Credit are available on your primary residence in amounts based upon a percentage of your home’s value, minus the outstanding balance on your current mortgage. 

Home Equity Lines of Credit, Flexibility to utilize your home’s equity as you need it. An effective means of addressing unexpected as well as planned expenses. A revolving feature that allows you to borrow, repay and re-borrow as needed. A monthly statement detailing all transactions and the amount of available credit is provided. Highly competitive interest rates. Annual percentage rate is variable, based upon the Wall Street Journal Prime Rate and is subject to change monthly after consummation. Monthly payments of principal and interest are required.
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Contact

Headquarters

2650 Route 130
Cranbury, NJ 08512
(609) 655-4500
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Email Support

Hours of Operation

Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
9:00AM - 12:00PM

Other Services by 1st Constitution Bank