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  Elizabeth Financial Center Closing
Our Elizabeth Financial Center will be closed Saturday, April 13th, Monday, April 15th and Tuesday, April 16th due to Financial Center repairs. This location will reopen on Wednesday, April 17th. Read More

For your convenience, please visit one of the following full-service locations during this time:

Union Financial Center
1350 Galloping Hill Rd.
Union, NJ 07083
908-289-1770

Cranford Financial Center
213 South Avenue
Cranford, NJ 07016
908-653-1720

Account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. We apologize for the inconvenience.

Mortgage Pre-Qualification Letter

Please fill out the form below to receive your pre-qualification letter. After you submit your information you will need to fax a current pay stub, W-2 and bank statements to Spencer Savings Bank at (201) 797-5324 Attn: Pre-Qualification Letter. It is necessary that the bank receive this information before we can issue a prequalification letter. If you have any questions regarding this information, please contact one of our Mortgage Representatives at 201-703-3800, ext. 8369 or ext. 8336. While our pre-qualification letter is intended to be used as a shopping tool, it should not be utilized as a commitment and is subject to verification of income, assets, existing liabilities and property appraisal. Depending on the interest rate, loan product type and other unknown information, you may qualify for more or less than the amount indicated.






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