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  Closing & Important Updates
We will be closed on Thursday, November 26th in observance of Thanksgiving Day. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Read More

We are here for you. Important Updates Regarding Coronavirus.

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, President and CEO. Read More

The Passaic Street (Garfield) location is currently closed. During this time, please visit one of our alternate financial centers if needed. Bank Locations

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