Important Notice
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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

HomeHelper Loan Program

Let us help you to afford to purchase or refinance your own home with our HomeHelper mortgage. This program is designed to assist modest income borrowers obtain a mortgage. Borrowers meeting certain household income eligibility requirements will benefit from comfortable terms that make it easier to achieve their dream of home ownership. After all, renting was never part of the American dream!

HomeHelper Mortgage features:

  • No Application Fee
  • Fixed and Adjustable Products Available
  • 10% Down Payment w/No PMI
  • Relaxed Qualifying Standards
  • Household Income Limitations Apply
  • Discounted Rates

Eligibility Requirements:

  • Property Must Be Located in Bergen, Essex, Hudson, Mercer, Middlesex, Morris, Passaic, Somerset or Union County
  • Household Income Limitations: Bergen/Passaic/Hudson: $63,440
    Essex/Morris/Union: $78,880
    Somerset, Middlesex: $86,480, Mercer: $84,640
  • Owner-Occupied 1-2 Family Homes

Apply Now

Today’s Rates

Contact Us Today

Jim Harilaou

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