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  Holiday Closing & Important Update
We will be closed on Saturday, July 4th in observance of Independence Day. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Normal business hours will resume on Monday, July 6th. Read More

Our financial centers are now reopened with regularly scheduled hours for lobby and drive-up service. Spencer customers will now have full access to the lobby area of all our financial centers. We understand there are still concerns when visiting public spaces, such as these. To ease such concerns we have implemented a number of new safety practices and protocols that you will notice upon visiting our financial centers, all of which are designed to ensure a safe and secure environment for everyone that visits our bank. 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, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County
  • Household Income Limitations: Bergen/Passaic/Hudson: $63,440
    Essex/Sussex/Morris/Hunterdon/Union: $78,880
    Somerset, Middlesex: $86,480, Mercer: $84,640
  • Owner-Occupied 1-2 Family Homes
  • 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