Important Notice
Javascript must be enabled to view this website, please enable Javascript and reopen our website.
Skip to main content
  Important Information
Financial Center Updates & Important Information Read More

As the virus transmission rate continues to increase again in New Jersey, we’d like to inform you that we will be closing our lobbies to the general public effective Monday, December 7, 2020. If you need to conduct business inside one of our financial centers, you will be required to schedule an appointment.  However, we will be operating our drive-up facilities as normal.  Please see our revised hours of operation and financial center contact information. Financial Center Locations

Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility.  We appreciate your patience as we do our part to protect you and our employees from the spread of COVID-19. Financial Center Locations

Learn about all the ways Spencer is creating a safe and secure environment. Read More

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

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. Our experienced lenders will help you every step of the way, from application through closing. Let us customize a home mortgage package specifically designed for you.

First Time Homebuyer Mortgage features:

  • Half of Application Fee Charged
  • Fixed and Adjustable Products Available
  • 10% Down Payment w/No PMI
  • Relaxed Qualifying Standards

Eligibility Requirements:

  • Property Must Be Located in Bergen, Essex, Hudson, Mercer, Middlesex, Morris, Passaic, Somerset or Union County
  • Owner Occupied 1-2 Family

Apply Now

Today’s Rates

Contact Us Today

Jim Harilaou

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