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  Holiday Closing & Security Information
Spencer Savings Bank will be closed on Friday, June 19th in observance of Juneteenth. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read Full Message

Protect Yourself From Scammers!
The banking industry has seen an increase in fraud attempts targeting customers. Spencer will never request your one-time passcode/security code, online banking username, password, PIN via text, email, or phone, nor request that you establish an account at another bank to secure your account balances.

If you receive such a request, do not respond or provide any information. Instead, contact our Customer Service Center immediately at 1-800-363-8115, regardless of the message channel.

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
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