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  Holiday Closing & A Message To Our Customers
Spencer Savings Bank will be closed on Monday, May 29th in observance of Memorial Day. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read More

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We Support Those Who Serve Our Community

Spencer is proud to offer New Jersey police officers, firefighters, healthcare and medical professionals, teachers and others employed by select local townships and counties access to special mortgage rate discounts and perks.

Our Community Worker Mortgage is our way of giving back to—and recognizing those who do the important work in—the communities we serve.

Buy or Refinance with a Community Worker Mortgage

  • Discounted Loan Rate of 0.125%
  • Additional 0.125% Rate Discount w/Auto Deduct of Monthly Payments From a Spencer Checking Account (0.25% Discount Total)
  • Low 10% Down Payment w/No PMI
  • No Application Fee ($550 – $835 Savings)
  • 1 & 2 Family Homes

To qualify, the community worker must be employed in Bergen, Essex, Hudson, Mercer, Middlesex, Morris, Passaic, Somerset, or Union County in New Jersey.

Every day, you go to work to help everyone feel at home. It’s time to make yourself at home with a discounted and readily available mortgage you won’t find anywhere else.

Inquire NowToday’s Mortgage Rates

Apply for a Community Worker Mortgage

Contact Us Today

Jim Harilaou

Mortgage Sales Representative
NMLS# 519891
1-201-703-3800 ext. 8336