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  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

Welcome POA NJ Members

Let’s Grow Together

Business Entity MortgagesSpencer Savings Bank is proud to partner with the Property Owners Association of New Jersey to provide exclusive Business Entity Mortgages for 1-4 family homes and mixed-use properties throughout the state. This unique loan is designed to bring you closer to your investment property goals while protecting your personal assets. It’s just one of our many mortgage solutions.

Grow your portfolio with Spencer.

One of NJ’s Premier Banks Offering This Exclusive Mortgage Loan

Let Spencer secure your rental property financing and help you get started on the road to building your real estate portfolio today. Our unique mortgage loan options available for business entities (Partnership, LLC, S Corp) provide a great vehicle to help you achieve all of your investment property goals, while protecting your personal assets.  If an LLC mortgage isn’t what you’re looking for, Spencer also offers an Investment Property Mortgage.

Business Entity (LLC) Mortgage features:

  • Variety of Terms Available
  • Borrow up to $3,000,000
  • 20-25% Down Payment
  • Unique Loan Types (Cash Out Refinance Eligible)

Eligibility Requirements*:

  • Property Location Restrictions
    • New Jersey
    • Bucks County, Pennsylvania
    • Brooklyn, Queens, Manhattan, Staten Island, Bronx, Rockland or Westchester County, New York
  • 1-4 Family Homes and Mixed-Use Properties up to 4 Units