Important Notice
Javascript must be enabled to view this website, please enable Javascript and reopen our website.
Skip to main content
  Important Information
Financial Center Updates & Important Information Read More

Beginning Monday, March 15th the bank will resume full service status to our lobby areas with normal business hours. (No appointments are needed). Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility. Financial Center Locations

We remain committed to do our part to ensure our community stays healthy during the COVID-19 pandemic. Spencer is creating a safe and secure environment for all who visit. Please take a few moments to review the safety protocols listed here prior to visiting us. 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