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Loan Rates

 Effective: 01/06/2009
Rates subject to change without notice.
Available to New Jersey Residents Only

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

Fixed Rate Mortgage Loans

Maturity Interest
Rate
APR* Points Description
10 Years 5.500% 5.500% 0 Fixed Rate, Owner Occupied, No points

15 Years

5.500% 5.500% 0 Fixed Rate, Owner Occupied, No points

20 Years

5.750% 5.750% 0 Fixed Rate, Owner Occupied, No points

30 Years

5.500% 5.500% 0 Fixed Rate, Owner Occupied, No points (up to $417,000)

30 Years

5.750% 5.750% 0 Fixed Rate, Owner Occupied, No points (Jumbo- over $417,000)

Adjustable Rate Mortgages

Product Interest
Rate
APR* Points Maturity Description
1Yr. ARM 4.750% 3.251% 0 30 Years Adjustable Rate, Owner Occupied,  2% Adjustment Cap, 6% Lifetime  Cap.  Rate adjusts every year       
3/1 ARM 5.250% 3.611% 0 30 Years Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap.  Rate is fixed for first 3 years, adjusts every year thereafter.
3/3 ARM 5.250% 4.095% 0 30 Years Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap.  Rate adjusts every 3 years.  
5/1 ARM 5.250% 3.896% 0 30 Years Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap.  Rate is fixed for first 5 years, adjusts every year thereafter
7/1 ARM 5.500% 4.291% 0 30 Years Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap.  Rate is fixed for first 7 years, adjusts every year thereafter.
10/1 ARM 5.625% 4.740%

 0

 30 Years

Adjustable Rate, Owner Occupied, 2% Adjustment Cap, 6% Lifetime Cap.  Rate is fixed for first 10 years, adjusts every year thereafter.

Fixed Rate Home Equity Loans

Maturity Interest
Rate
APR* Points Description

2 to 4 years

6.500% 6.500% 0 Fixed Rate, No Points, No fees

5 years

6.500% 6.500% 0 Fixed Rate, No Points, No fees

6 to 9 years

6.625% 6.625% 0 Fixed Rate, No Points, No fees
10 years 6.625% 6.625% 0 Fixed Rate, No Points, No fees

11 to 15 years

6.625% 6.625% 0 Fixed Rate, No Points, No fees

Home Equity Line of Credit

Maturity Interest Rate APR* Points Description

240 Months

6.000% 6.000% 0 Haven Equity Line Plan

Starting Rate of 6.000% is fixed for the first 6 months. Thereafter, the rate is a variable rate based on the Prime Rate. Minimum rate (floor) is 4.75%; Maximum rate (ceiling) is 16.50%.

 

Commercial/ Mixed Use/ Multi-Family (5+ Units)

Please contact our Commercial Lenders at (201)262-7600 for details.

*Annual Percentage Rate

 

 


 



  
 
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