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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

We continue to stay committed to you during this difficult period. View an updated message from our Chairman, President 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, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County
  • Owner Occupied 1-2 Family
  • Lender – Approved Condo Projects Eligible With 15% Down Payment

Apply Now

Today’s Rates

Contact Us Today

Jim Harilaou

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