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  Important News
Mariner’s Bank is joining Spencer Savings Bank.   Read More

We are excited to welcome Mariner’s customers and employees to the Spencer family. Read More

Community-Minded Mortgages

Spencer is building stronger communities across New Jersey.
Find a mortgage that makes you feel at home.

Community Worker

Be rewarded for your work with discounted loan rates catering to local healthcare and medical workers, teachers, police officers, firefighters, DPW workers, borough employees, and others who work for our communities and counties.

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Home Enhancer

If the home you want to purchase needs repairs or remodeling, this special home mortgage loan may be the best choice for you. Purchase or refinance a property, plus, include in the loan amount the cost of making the repairs or improvements.

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First Time Homebuyer

Take the first step toward homeownership knowing Spencer will make the process as simple and straightforward as possible with relaxed qualifying standards and just 10% down. A mortgage specialist will assist you from application through closing.

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Home Helper

Get the extra boost you need to achieve the dream of owning a home. Spencer is here to help low and moderate income borrowers obtain a mortgage with favorable rates, comfortable terms, and reliable guidance.

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Explore Our Specialized Mortgage Programs

Choose the right home loan for you. Apply online, visit your local financial center, or call 1-800-363-8115 to get started.