NEW YORK CO-OP EQUITY LINE/LOAN

Do you own a cooperative in any of the following New York counties—Bronx, Kings, New York, Putnam, Queens, Richmond, Rockland, or Westchester?

If so, a New York Co-op Equity Loan or Line of Credit from Wachovia may be just what you need.

A Co-op equity loan or line of credit may help you:

Make the home improvement you've been putting off.
Consolidate debt. ¹
Help finance your children's education.
Purchase big-ticket items such as a new car.
Take the long vacation you've been postponing.

Loan amounts range from $10,000² to $2 million.
By borrowing a specific dollar amount using the existing equity in your New York co-op, you can take advantage of great terms and rates. The interest you pay may even qualify for a tax deduction.³

To get started on a NY Co-op Equity Loan or Line of Credit today, please call (866) 276-5940, Monday through Friday, 8:00am to 5:00pm, ET.

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¹ While consolidation may decrease your overall monthly payment obligations, refinancing pre-existing debt with a home equity loan/line will require you to give Wachovia a security interest in your home and may increase the total number of monthly debt payments, as well as the aggregate amount paid by a borrower over the term of the home equity loan/line.

² The minimum loan amount for a Home Equity Loan is $10,000. The minimum line amount for a Prime Equity Line of Credit is $11,000.

³ Consult your tax advisor concerning interest deductibility.

All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Initial decision is subject to you meeting specific underwriting requirements and final approval will be based upon you satisfying those requirements. All loans and lines of credit are originated by Wachovia Bank, National Association, Wachovia Financial Services, Inc., or where applicable Wachovia Bank of Delaware, National Association. Products not available in all states and are subject to change without notice. If your property is located in a state that requires a tangible net benefit analysis on refinances of existing home loans or lines of credit, your application will be subject to this analysis as required by state law.