Thinking about home improvements? We have a loan for that (and more)

Fixed rates as low as 2.49%
for first 12 months

Variable rates as low as 4.75%

  • Basement Finishing
  • Roof Replacement/Repair
  • Add an Addition
  • Debt Consolidation
  • Pay for Tuition


  • Pay interest on only what you use
  • Convenient access to your funds
  • No closing costs or application fees**
  • Borrow up to 80% of your equity

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*APR: Annual Percentage Rate. The first 12 months is a fixed introductory rate of 2.49% APR. After the introductory period, the APR will adjust monthly at the Wall Street Journal prime rate minus 0.50%. As of 09/27/18, the prime rate is 5.25%. Prime rate for the remaining terms of the line may change monthly. APR may vary, but will not drop below 4.75% or exceed 18.00% after the introductory period. Posted APRs are calculated assuming maximum 80% LTV and credit score of 720 or better. Property must be an owner occupied 1-4 family or single-family vacation property located in Massachusetts or within 100 miles of the Somerville branch. Property insurance is required. All lines will be assessed a $45 annual fee. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Naveo lending criteria and Naveo membership eligibility. Consult your tax advisor regarding the tax benefits available to you. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and other loan characteristics. Rates are subject to change without notice.

**To avoid normal closing costs, line must have a credit limit of $25,000 or more and applicant must agree to an initial draw of at least $15,000 for the first 90 days. Early payment, within the first 36 months, requires repayment of closing costs.