Submitting Your Application

Whether you are purchasing a home or refinancing an existing mortgage, this might be one of the largest investments you’ll ever make. So at Spencer, we go out of our way to make this as pleasant as possible for you. Your application will provide us with the information we need to design your ideal mortgage program.

FIXED RATE MORTGAGE APPLICATION
If you want to apply for a Fixed, Balloon, Jumbo Preferred, Stated Income/Asset, First Time Homebuyer, HomeHelper, Home Enhancer or Closing Assistance please download our Mortgage Application Package (a 17 page pdf file). If you do not have the FREE Acrobat Adobe reader available to help you download this application, please get it now.

ADJUSTABLE RATE MORTGAGE APPLICATION

If you want to apply for an Adjustable Rate Mortgage please choose one of our Adjustable Rate Applications below. If you are still unsure about the type of Adjustable Mortgage you need, please email us at mortgageloans@spencersavings.com or call 1-800-363-8115 and ask for our mortgage department. If you do not have the FREE Acrobat Adobe reader available to help you download this application, please get it now.

Adjustable Rate Mortgage Type	Application Size	Download Application
1/1 ARM	This Mortgage Application Package (1.1mb file) is a 44 page pdf file (17 page application, 27 page informational ARM brochure).	Download 1/1 Application
3/1 ARM	This Mortgage Application Package (1.1mb file) is a 44 page pdf file (17 page application, 27 page informational ARM brochure).	Download 3/1 Application
3/3 ARM	This Mortgage Application Package (1.1mb file) is a 44 page pdf file (17 page application, 27 page informational ARM brochure).	Download 3/3 Application
5/1 ARM	This Mortgage Application Package (1.1mb file) is a 44 page pdf file (17 page application, 27 page informational ARM brochure).	Download 5/1 Application
5/5 ARM	This Mortgage Application Package (1.1mb file) is a 44 page pdf file (17 page application, 27 page informational ARM brochure).	Download 5/5 Application
7/1 ARM	This Mortgage Application Package (1.1mb file) is a 44 page pdf file (17 page application, 27 page informational ARM brochure).	Download 7/1 Application
10/1 ARM	This Mortgage Application Package (1.1mb file) is a 44 page pdf file (17 page application, 27 page informational ARM brochure).	Download 10/1 Application

3. Please send your completed Mortgage Application Package to:

Spencer Savings Bank
Attention: Mortgage Department
River Drive Center 3
611 River Drive
Elmwood Park, NJ 07407
(800) 363-8115

We thank you for the opportunity to serve you and look forward to doing business with you. One of our Mortgage Representatives will be in touch with you within three business days from receipt of your Mortgage Application Package.

** IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.