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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

Investment Property Mortgage

The current real estate market presents lucrative opportunities for savvy investors. Don’t miss out. Grow your rental property portfolio with an Investment Property Mortgage with competitive rates from Spencer. As experts in the local market, we pair serious know-how with attractive investment property mortgage rates.  Spencer also offers a Business Entity LLC Mortgage for those interested in deeding the property to a business.

Strong Indicators: A Hot Rental Property Mortgage Market

Rental property demand continues to be high in the Garden State. Numerous individuals are seeking the right rental, pushing up rents and providing a steady stream of income to smart investors.

Rental Property Mortgages Rates Up to $3,000,000

A partner to investors since 1893, Spencer empowers local investors, without red tape. We know the market. We understand investment property mortgage and rental regulations. And we will pair you with a competitive rental property mortgage designed specifically for real estate investors.

Investment Property Mortgage Features:

  • Fixed & Adjustable Rate Options
  • Borrow up to $3,000,000 (Personally Deeded Properties)
  • 20-25% Down Payment
  • No Pre-Payment Penalties

Eligibility Requirements:

  • Property Location Restrictions:
    • All of New Jersey
    • Bucks County, Pennsylvania
    • Brooklyn, Queens, Manhattan, Staten Island, Bronx, Rockland or Westchester County, New York
  • 1-4 Family Homes

Contact Us Today

Jim Harilaou

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