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  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

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