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  COVID-19 Branch Operations Update

Health and safety remain our top priorities, both for our customers and team members. As a safety precaution to Covid-19, our lobbies will be temporarily closed and available by appointment only beginning Tuesday, January 4, 2022.  Drive-up services will operate during regular business hours. 

We apologize for the inconvenience and thank you for your cooperation and understanding.

Fixed Rate Mortgage

If you plan on owning your home for a while, then you should lock into a great rate with Spencer. Our fixed rate home mortgages are structured so interest rates and monthly payments remain constant throughout the life of the loan. You’ll have the security of knowing that your interest and monthly payments will never increase. You can choose to either lock into a long term with lower monthly payments, or you could lock into a shorter term and save thousands of dollars in interest because your loan will be paid off faster.

Fixed Rate Mortgage features:

  • Fixed Monthly Payments
  • Variety of Terms Available
  • Stability, Predictability and Easy Budgeting
  • Potential Tax Benefits (consult your tax advisor)

Apply Now

Today’s Rates

Contact Us Today

Jim Harilaou

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