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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

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Fixed First Lien:
The Low-Cost Way to Refinance Your Home

Leverage the equity in your home with a fixed first lien from Spencer Savings Bank. For homeowners who have built significant home equity, a fixed first lien offers lower closing costs than a traditional mortgage, with predictable monthly payments. Cash-out refinancing can also provide the resources to consolidate debts, fund home improvements, or cover major expenses.

Fixed First Lien 10 Year

Fixed First Lien 15 Year

Call Today!

Speak with a Customer Service Representative at 1-800-363-8115.


*APR=Annual Percentage Rate. Loan must be secured by a first lien on an owner-occupied 1-4 family home in either New Jersey or Bucks County, PA. Application Fees (which will be billed after we provide you with the necessary disclosures) are as follows: Loans above $150,000 up to $249,999; $225 (1 family), $450 (2-4 family). Loans of $250,000 or more: $300 (1 family), $450 (2-4 family); however, if the loan is secured by a property of 2,800 square feet or more a fee of $500 will be charged. Previous Spencer applicants (within the past 12 months) and Spencer refinances will be charged an Application Fee regardless of loan amount. Commitment Fee of $150 is charged on all loans. Property Insurance is required. Flood Insurance may be required. Payments shown do not include applicable taxes and insurance. Rates and terms are subject to change without notice. Offer is subject to credit approval.