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Special Homeowner Loan

Our Spencer Special Homeowner Loan offers residents in designated counties, that meet specific income limits, a great way to take advantage of the equity in their home with a special rate discount. This home equity loan type allows you to borrow money for any worthwhile purpose at a reduced rate. Borrow up to $250,000 for college tuition, home improvements, and even refinance your mortgage.

Special Homeowner Loan features:

  • No Fees of any kind are charged
  • Terms up to 30 years
  • Special low fixed interest rate
  • Household income limitations apply

Special Homeowner Eligibility Requirements:

  • Property must be located in Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County
  • Household Income Limitations:
    Bergen/Passaic/Hudson/Middlesex: $58,960
    Essex/Sussex/Morris/Hunterdon/Union/Somerset: $79,840
    Mercer: $76,320
  • Applies to 1-4 family, owner occupied residential properties secured by a first mortgage

Apply Today

Download the application, visit your local branch, or call us at 1-800-363-8115 today!