The quest to find the money you need for the things you want can be a challenge. You watch Antiques Roadshow® and search eBay to find items of value that might already be in your home or attic. Well, stop searching. You have an option and it's right above your head; it's your home! With a Home Equity Line of Credit, you can use the equity in your home to borrow with flexibility.


  • Borrow what you need, when you need it
  • Loans range from $10,000 to $250,0001
  • 10 year draw period/10 year repayment period

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 approval.


Maximum loan is $250,000 if ESSA holds all liens ($200,000 if ESSA is in a 2nd lien position.)