Whether you are in the need of a new car or are looking for some help with a home improvement project, Somerset Hills Bank has the perfect consumer loan to meet your borrowing needs.

Home Equity Loans
The investment in your home is like money in your pocket! At Somerset Hills Bank we can help free up that money for your use. Our home equity loans are designed to give you borrowing power for any type of major or minor purchase: vacations, college tuition, a new car, home improvements, or any other worthwhile purpose. Just about anything is possible. We give you ready access to a variety of loan options based on the equity you have in your home.

We offer convenient, flexible terms and competitive interest rates along with a revolving line of credit that gives you the money you need to do what you want. And, unlike many loans, the interest you pay on a home equity loan may be deductible on your income tax return. (Talk to your accountant or tax advisor about the deductibility of interest.)

If you need to borrow - for any reason - see us about a home equity loan. We will do our best to put money in your pocket as quickly and as easily as possible.

Mortgage Loans
One of the most important decisions that people make has to do with home ownership. Whether you are buying your first home or refinancing an existing mortgage, you are interested in quality advice, dependable service and a mortgage that suits your needs! We are able to satisfy your mortgage needs through our mortgage lending subsidary, Sullivan Financial Services, Inc.

Through Sullivan Financial Services, a wide range of mortgage loan programs are available including the following:

• FHA/VA Loans
• 1st Time Home Buyer Programs
• True No Doc Loans
• Stated Income Loans
• No Income/ No Asset Loans
• Jumbo and Super Jumbo Loans
• No Cost Refinancing
• Multi Family 1-4 Units.

To learn more, visit Sullivan Financial at www.sfsloan or contact them at 973-325-5000 or toll-free at 800-722-7008.

Automobile Loans
Are you in the market for a new car? If so, check out our automobile loan rates. We offer competitive rates with varying repayment terms. With an automobile loan from Somerset Hills Bank, you can be driving your new car in no time!

Check Line
Everyone needs a little overdraft protection now and then, whether to cover a simple mistake or unexpected expenditure. With a Check Line account at Somerset Hills Bank you can rest assured that your checks will be covered, up to your approved credit line. See us today to apply for your Check Line account.