• The smart and flexible lending option.
• Convenient Access: Ultra Flex Mastermoney Card and/or convenience checks.
• Flexibility: The new Home Equity offers a line of credit with the ability to lock in up to three fixed rate loans at a time.
• Interest Only: First Niagara Bank offers an interest-only option. This is available for the first 5 years on the line.
• Borrow up to 100% of your home's value (less any first mortgage balance).
• No closing costs when your line is opened for $15,000 or more.
• Initial approval in as little as 24 hours.
• The interest you pay may be tax deductible (consult your tax advisor).

Please Note:
The Bank will consider consumer loan requests from all applicants with a United States citizenship who either reside or work in the Bank's designated lending area. This area consists of Albany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Columbia, Cortland, Delaware, Dutchess, Erie, Essex, Fulton, Genesee, Greene, Hamilton, Herkimer, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Ostego, Oswego, Putnam, Rensselaer, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Wyoming and Yates counties in New York State.