Important Notice
Javascript must be enabled to view this website, please enable Javascript and reopen our website.
Skip to main content
  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

Let’s Grow Your Rental Portfolio

Successful real estate investors know the value of a lender who offers more than just a loan. Get personalized service, attractive rates, and a world of local market knowledge with an investment property mortgage from Spencer Savings Bank. We’re here to help you capitalize on a red-hot rental market. If you’re buying and selling properties, we are also experienced with 1031 Exchange transactions.  

INQUIRE ONLINE

  • Low 20% Down Payment
  • Borrow up to $1,000,000
  • Personally Deeded
  • Residential Properties (1-4 Family)
  • 2-4 Family Homes & Condominiums
  • 100% Local Lending Decisions

Recent Fundings

$380,000

Location Saddle Brook
Term 7/1 ARM
Property 2 Family

$432,000

Location Pallisades Park
Term 20 Year Fixed
Property 2 Family

TODAY’S RATES

  • Low 20% Down Payment
  • Borrow up to $1,000,000
  • Business Deeded (LLC, Partnership, S Corp) for Asset Protection
  • Lower Closing Costs
  • Residential Properties (1-4 Family) & Condominiums
  • Mixed-Use (2-4 Units)
  • 100% Local Lending Decisions

Recent Fundings

$356,250

Location Scotch Plains
Term 15 Year Fixed
Property 4 Family

$500,000

Location Lyndhurst
Term 10/1 ARM
Property 2 Family

TODAY’S RATES

Mortgage Investment

We'll come to you! Call for a personalized appointment today.

Contact us today at 1-800-363-8115 to schedule a visit from one of our mortgage specialists at your home or office.

*Investment Property homes can be located throughout New Jersey; Bucks County, Pennsylvania; Brooklyn, Queens, Manhattan, Staten Island, Bronx, Rockland or Westchester County, New York. **Business Entity properties must be located in Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County, New Jersey; Bucks County, Pennsylvania; Brooklyn, Queens, Manhattan, Staten Island, Bronx, Rockland or Westchester County, New York. To borrow throughout New Jersey, principal(s) must be an existing bank depositor.