Loans

Personal Loans

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 over $729,000 have a maximum loan to value ratio of 75%.
• Loans over $829,000 have a maximum loan to value of 70%.
• Maximum Loan: $1,100,000

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: $500

First Time Homebuyer Program

This program is designed to assist borrowers in obtaining financing for the purchase of a first home.  There is no application fee if you qualify for this program. 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This is a special program that may be  withdrawn by the bank at any time.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 an adjustable rate home equity line of credit 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 for terms of 2 to 15 years 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.
  

Business Loans

Commercial Mortgages

Mortgage loans for Commercial, mixed use, and non-owner occupied properties are available.

Contact a Commercial Loan Representative at (201)262-7600 ext. 104 for current rates and details.