Mortgage & Consumer Lending Services

Available to New Jersey Residents Only

First Mortgage Loans

We offer Fixed and Adjustable Rate first mortgage loans at competitive rates.

  • Loans up to $729,000 have a maximum loan to value ratio of 80%.
  • Loans from $729,001 to $828,999  have a maximum loan to value ratio of 75%.
  • Loans over $829,000 have a maximum loan to value of 70%.
  • Maximum Loan: $1,500,000

A minimum down payment of 20% is required for all mortgage loans. Private Mortgage Insurance is not available at this time. Please call for further details.

Application Fees:
Single Family, owner-occupied: $500
2-4 Family, owner-occupied: $650

First Time Homebuyer Program

This program is designed to assist borrowers in obtaining financing for the purchase of a first home. Please call for more details.

This is a special program that may be  withdrawn by the bank at any time.

Click here to see our "Loan Rates" page for current rates and terms.

For more information call (201)659-3600  to speak to a residential loan representative.

Home Equity Loans

We offer both fixed rate home equity loans and a variable rate Home Equity Line Plan (H.E.L.P.) on 1 to 4 family owner occupied properties with no application fees and no points.

Our fixed rate home equity loan is available at competitive rates and terms  with a maximum loan amount of $150,000.

Our Haven Equity Line Plan (H.E.L.P.) is a variable rate revolving line of credit offering a maximum credit line of $150,000. Interest is charged on the outstanding balance, not the full amount of the credit line. The minimum monthly payment is the greater of $50 or 1/240th of the outstanding balance plus interest.

Maximum loan to value is 70%, 75% if Haven is the first mortgagee.

Click here to see our "Loan Rates" page for current rates and terms.

For more information call (201)659-3600  to speak to a residential loan representative.

Other Loans

Auto and Personal loans are available to qualified borrowers.
Contact a Loan Representative at (201)659-3600  for rates and details.

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