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  Important Update
We are here for you. Important Updates Regarding Coronavirus Read More

Our financial centers are now reopened. Learn about all the ways Spencer is creating a safe and secure environment for all its visitors. 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

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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