Borrow More Unlock substantial credit lines by borrowing against the equity of your home, giving you the financial flexibility to tackle large projects. Attractive Terms Enjoy longer repayment terms with home equity loans and lines of credit, offering you the comfort of lower monthly payments. Streamlined Access Keep your existing mortgage terms while accessing the funds you need for renovations — no need to refinance. Immediate Funding Receive your funds as a lump sum to start using immediately for your home improvement needs — no incremental draws or inspections required. Request for a Quote * All loans are subject to credit review and approval.. Need help? Contact Dave from Valley Bank at 973-207-6500