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  Important Update
We are here for you. Important Updates Regarding Coronavirus. Read More

Our financial centers are now reopened. Learn about all the ways Spencer is creating a safe and secure environment for all its visitors. Read More

We continue to stay committed to you during this difficult period. View an updated message from our Chairman, President and CEO. Read More

Finance Your Dream Home

Getting a mortgage or home equity loan has never been easier. With Spencer Savings Bank, online applications are fast and easy. Whether you’re looking to make home improvements, leverage your home’s value for a big purchase, or buy a brand new home, Spencer is dedicated to helping you secure a loan that meets your needs.

Fixed Rate Mortgage

Lock in a great home mortgage rate with affordable, predictable, fixed monthly payments and flexible terms. Check Today’s Rates!

Apply Online

Adjustable Rate Mortgage

Enjoy low interest rates and low monthly payments with an annual/lifetime cap on interest rate adjustments. Check Today’s Rates!

Apply Online

First Time Homebuyer Mortgage

Are you looking to purchase your first home? Starting this journey is a big step, which is why we are here to help make this process as simple and straightforward as possible. Learn More!

Apply Online

Home Equity Loan

Use the equity in your home to borrow for debt consolidation, refinancing, home improvements, your children’s college fund or a family vacation, with fixed monthly payments. Check Today’s Rates!

Apply Online

SpencerFlex Line of Credit

Establish a cash resource for unexpected expenses, or to finance a major purchase. With our Flex conversion feature, you have the option of locking in a fixed rate on all or part of your current balance ($25,000 minimum), without having to reapply. Check Today’s Rates!

Apply Online

Ewing Mortgage Home Equity

200 Campus Town Circle

Ewing, NJ 08638

Phone: 609-643-0767

Banking Hours

Mon. thru Fri.: 9AM – 6PM
Saturday: 9AM – 1PM

Need advice or assistance before applying online?

Call us at 1-800-363-8155, or visit our Ewing Financial Center to speak with a Spencer loan specialist.