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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

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% 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