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Today's Mortgage Rates

Rates as of September 25, 2020, 9:00 am

Owner Occupied
Loan Type Points Interest Rate APR* Monthly Payment Loan Amounts Apply Now Download Application
Per $1000 Borrowed(Desktop, Tablet or Mobile)
30 Year HomeHelper Fixed Rate 0 3.125% 3.147% $4.28 Up To $453,100 Apply Now Download Application
30 Year Fixed Rate 0 3.375% 3.402% $4.42 Up To $484,350 Apply Now Download Application
30 Year Fixed Rate 0 3.375% 3.395% $4.42 $484,351 Up To $1,000,000 Apply Now Download Application
30 Year Fixed Rate 0 3.625% 3.643% $4.56 $1,000,001 Up To $1,500,000 Apply Now Download Application
30 Year Fixed Rate 0 3.875% 3.892% $4.70 $1,500,001 Up To $2,000,000 Apply Now Download Application
20 Year HomeHelper Fixed Rate 0 3.000% 3.031% $5.55 Up To $453,100 Apply Now Download Application
20 Year Fixed Rate 0 3.250% 3.287% $5.67 Up To $484,350 Apply Now Download Application
20 Year Fixed Rate 0 3.250% 3.278% $5.67 $484,351 Up To $1,000,000 Apply Now Download Application
20 Year Fixed Rate 0 3.500% 3.524% $5.80 $1,000,001 Up To $1,500,000 Apply Now Download Application
20 Year Fixed Rate 0 3.750% 3.773% $5.93 $1,500,001 Up To $2,000,000 Apply Now Download Application
15 Year Fixed Promotion** (NEW MONEY ONLY) 0 2.500% 2.542% $6.67 Up To $800,000 Contact Us Download Application
15 Year Fixed Rate 0 2.750% 2.794% $6.79 Up To $484,350 Apply Now Download Application
15 Year Fixed Rate 0 2.750% 2.782% $6.79 $484,351 Up To $1,000,000 Apply Now Download Application
15 Year Fixed Rate 0 3.000% 3.028% $6.91 $1,000,000 Up To $1,500,000 Apply Now Download Application
15 Year Fixed Rate 0 3.250% 3.277% $7.03 $1,500,001 Up To $2,000,000 Apply Now Download Application
10 Year Fixed Rate 0 2.625% 2.688% $9.48 Up To $484,350 Apply Now Download Application
10 Year Fixed Rate 0 2.625% 2.670% $9.48 $484,351 Up To $1,000,000 Apply Now Download Application
10 Year Fixed Rate 0 2.875% 2.914% $9.60 $1,000,001 Up To $1,500,000 Apply Now Download Application
10 Year Fixed Rate 0 3.125% 3.162% $9.71 $1,500,001 Up To $2,000,000 Apply Now Download Application

*Select a product to view assumptions and important disclosure information.

Above rates, APRs and terms apply to single family, owner-occupied contract sales and refinances in amounts up to $2,000,000 on properties throughout New Jersey and Bucks County, PA. Private Mortgage Insurance is available for down payments less than 20%. Rates may vary subject to loan amount, purpose of loan, etc. and are subject to change without notice. The APR may vary. Payments shown do not include applicable taxes and insurance. Actual payment obligation will be greater. Property Insurance required. Flood Insurance may be required. APR=Annual Percentage Rate. All loans are subject to credit approval.

** New mortgage customers only – existing mortgage refinances are not eligible for this promotion. Above rates, APRs and terms apply to single family, owner-occupied contract sales and refinances in amounts up to $800,000 on properties throughout New Jersey and Bucks County, PA. Fees: Attorney Review Fee is $325, Final Inspection Fee $175 (if applicable). Credit Report Fee ($27.74 per borrower.) Application Fee $134.02 (1-4 family) and Flood Certification $10.50. Appraisal Fee $350 (1 family) or $550 (2-4 family), which may be higher for complex properties. These fees must be paid upon request by Spencer during the processing of your application, but no later than three (3) business days after receipt of a signed loan estimate. These fees are non-refundable.

Owner Occupied
Loan Type Points Interest Rate APR* Monthly Payment Loan Amounts Apply Now Download Application
Per $1000 Borrowed(Desktop, Tablet or Mobile)
1/1/30 Year Adjustable Rate 0 3.000% 3.023% $4.22 Up To $1 Million Apply Now Download Application
1/1/30 Year Adjustable Rate 0 3.250% 3.035% $4.35 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
1/1/30 Year Adjustable Rate 0 3.500% 3.053% $4.49 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
3/1/30 Year Adjustable Rate 0 3.000% 3.017% $4.22 Up To $1 Million Apply Now Download Application
3/1/30 Year Adjustable Rate 0 3.250% 3.070% $4.35 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
3/1/30 Year Adjustable Rate 0 3.500% 3.124% $4.49 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
3/3/30 Year Adjustable Rate 0 3.125% 2.750% $4.28 Up To $1 Million Apply Now Download Application
3/3/30 Year Adjustable Rate 0 3.375% 2.802% $4.42 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
3/3/30 Year Adjustable Rate 0 3.625% 2.857% $4.56 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
5/1/30 Year Adjustable Rate 0 3.125% 3.061% $4.28 Up To $1 Million Apply Now Download Application
5/1/30 Year Adjustable Rate 0 3.375% 3.146% $4.42 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
5/1/30 Year Adjustable Rate 0 3.625% 3.233% $4.56 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
5/5/30 Year Adjustable Rate Promotion** (NEW MONEY ONLY) 0 3.000% 2.803% $4.22 Up to $800,000 Contact Us Download Application
5/5/30 Year Adjustable Rate 0 3.250% 2.940% $4.35 Up To $1 Million Apply Now Download Application
5/5/30 Year Adjustable Rate 0 3.500% 3.025% $4.49 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
5/5/30 Year Adjustable Rate 0 3.750% 3.112% $4.63 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
7/1/30 Year Adjustable Rate 0 3.250% 3.133% $4.35 Up To $1 Million Apply Now Download Application
7/1/30 Year Adjustable Rate 0 3.500% 3.247% $4.49 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
10/1/30 Year Adjustable Rate 0 3.250% 3.170% $4.35 Up To $1 Million Apply Now Download Application
7/1/30 Year Adjustable Rate 0 3.750% 3.364% $4.63 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
10/1/30 Year Adjustable Rate 0 3.500% 3.321% $4.49 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
10/1/30 Year Adjustable Rate 0 3.750% 3.475% $4.63 Between $1,500,001 - $2,000,000 Million Apply Now Download Application

*Select a product to view assumptions and important disclosure information.

Above rates, APRs and terms apply to single family, owner-occupied contract sales and refinances in amounts up to $2,000,000 on properties throughout New Jersey and Bucks County, PA. Private Mortgage Insurance is available for down payments less than 20%. Rates may vary subject to loan amount, loan-to-value ratio, purpose of loan, credit rating, etc. and are subject to change without notice. The APR may vary. Payments shown do not include applicable taxes and insurance. Actual payment obligation will be greater. Property Insurance required. Flood Insurance may be required. APR=Annual Percentage Rate. All loans are subject to credit approval.

For ARM loans, when the rate adjusts, your new rate will be the current index plus the margin. On the first rate change date, your interest rate cannot increase more than 2% above the initial interest rate. Your interest rate cannot increase more than 6% above the initial interest rate over the term of the loan. Current Index: 1 year ARM = 1 year Treasury, 3/3 ARM = 3 year Treasury, 5/5 ARM = 5 year Treasury; Margin: 1 year ARM = 2.875%, 3/3 year ARM and 5/5 ARM = 2.50%.

** Above rates, APRs and terms apply to single family, owner-occupied contract sales and refinances in amounts up to $800,000 on properties throughout New Jersey and Bucks County, PA. Private Mortgage Insurance is available for down payments less than 20%. Rates may vary subject to loan amount, loan-to-value ratio, purpose of loan, credit rating, etc. Fees: Attorney Review Fee is $325, Final Inspection Fee $175 (if applicable). Credit Report Fee ($27.74 per borrower.) Application Fee $134.02 (1-4 family) and Flood Certification $10.50. Appraisal Fee $350 (1 family) or $550 (2-4 family), which may be higher for complex properties. These fees must be paid upon request by Spencer during the processing of your application, but no later than three (3) business days after receipt of a signed loan estimate. These fees are non-refundable. For ARM loans, when the rate adjusts, your new rate will be the current index plus the margin. On the first rate change date, your interest rate cannot increase more than 2% above the initial interest rate. Your interest rate cannot increase more than 6% above the initial interest rate over the term of the loan. Current Index: 5/5 ARM = 5 year Treasury; Margin: 5/5 ARM = 2.50%.

Loan Type Points Interest Rate APR* Monthly Payment Loan Amounts Apply Now Download Application
Per $1000 Borrowed(Desktop, Tablet or Mobile)
10 Year Fixed 0 3.625% 3.680% $9.95 Up To $3,000,000 Apply Now Download Application
15 Year Fixed 0 3.750% 3.789% $7.27 Up To $3,000,000 Apply Now Download Application
20 Year Fixed 0 3.875% 3.906% $5.99 Up To $3,000,000 Apply Now Download Application
30 Year Fixed 0 4.000% 4.023% $4.77 Up To $3,000,000 Apply Now Download Application
1/1/30 Year ARM 0 3.625% 3.876% $4.56 Up To $3,000,000 Apply Now Download Application
3/1/30 Year ARM 0 3.750% 3.868% $4.63 Up To $3,000,000 Apply Now Download Application
3/3/30 Year ARM 0 3.750% 3.675% $4.63 Up To $3,000,000 Apply Now Download Application
5/1/30 Year ARM 0 3.875% 3.897% $4.70 Up To $3,000,000 Apply Now Download Application
5/5/30 Year ARM Promotion** (NEW MONEY ONLY) 0 3.625% 3.727% $4.56 Up to $800,000 Contact Us Download Application
5/5/30 Year ARM 0 3.875% 3.817% $4.70 Up To $3,000,000 Apply Now Download Application
7/1/30 Year ARM 0 4.000% 3.957% $4.77 Up To $3,000,000 Apply Now Download Application
10/1/30 Year ARM 0 4.000% 3.975% $4.77 Up To $3,000,000 Apply Now Download Application

*Select a product to view assumptions and important disclosure information.

Above rates, APRs and terms apply to 1-4 family, investment contract sales and refinances in amounts up to $3,000,000 on properties throughout New Jersey, Brooklyn, Queens, Manhattan, Staten Island, Bronx, Rockland or Westchester County, New York and Bucks County PA. Rates are subject to change without notice. The APR may vary. Payments shown do not include applicable taxes and insurance. Actual payment obligation will be greater. Property Insurance required. Flood Insurance may be required. APR=Annual Percentage Rate. All loans are subject to credit approval.

** Above rates, APRs and terms apply to single family, owner-occupied contract sales and refinances in amounts up to $800,000 on properties throughout New Jersey and Bucks County, PA. Private Mortgage Insurance is available for down payments less than 20%. Rates may vary subject to loan amount, loan-to-value ratio, purpose of loan, credit rating, etc. Fees: Attorney Review Fee is $325, Final Inspection Fee $175 (if applicable). Credit Report Fee ($27.74 per borrower.) Application Fee $134.02 (1-4 family) and Flood Certification $10.50. Appraisal Fee $350 (1 family) or $550 (2-4 family), which may be higher for complex properties. These fees must be paid upon request by Spencer during the processing of your application, but no later than three (3) business days after receipt of a signed loan estimate. These fees are non-refundable. For ARM loans, when the rate adjusts, your new rate will be the current index plus the margin. On the first rate change date, your interest rate cannot increase more than 2% above the initial interest rate. Your interest rate cannot increase more than 6% above the initial interest rate over the term of the loan. Current Index: 5/5 ARM = 5 year Treasury; Margin: 5/5 ARM = 2.50%.

Loan Type Points Interest Rate APR* Monthly Payment Loan Amounts Apply Now Download Application
Per $1000 BorrowedOwner Occupied Up to 3MM, Investment Up To 2MM(Desktop, Tablet or Mobile)
10 Year Fixed 0 3.875% 3.948% $10.07 Up To $3,000,000 Contact Us Download Application
15 Year Fixed 0 3.875% 3.926% $7.33 Up To $3,000,000 Contact Us Download Application
20 Year Fixed 0 4.125% 4.166% $6.13 Up To $3,000,000 Contact Us Download Application
30 Year Fixed 0 4.250% 4.280% $4.92 Up To $3,000,000 Contact Us Download Application
1/1/30 Year ARM 0 3.750% 3.893% $4.63 Up To $3,000,000 Contact Us Download Application
3/1/30 Year ARM 0 4.000% 3.932% $4.77 Up To $3,000,000 Contact Us Download Application
3/3/30 Year ARM 0 3.875% 3.709% $4.70 Up To $3,000,000 Contact Us Download Application
5/1/30 Year ARM 0 4.000% 3.949% $4.77 Up To $3,000,000 Contact Us Download Application
5/5/30 Year ARM 0 3.625% 3.733% $4.56 Up To $3,000,000 Contact Us Download Application
7/1/30 Year ARM 0 4.000% 3.963% $4.77 Up To $3,000,000 Contact Us Download Application
10/1/30 Year ARM 0 4.125% 4.060% $4.85 Up To $3,000,000 Contact Us Download Application

*Select a product to view assumptions and important disclosure information.

Above rates, APRs and terms apply to 1-4 family, investment contract sales, and refinances under a Business Entity in amounts up to $3,000,000 on properties throughout New Jersey, Brooklyn, Queens, Manhattan, Staten Island, Bronx, Rockland or Westchester County, New York and Bucks County PA. Rates are subject to change without notice. The APR may vary. Payments shown do not include applicable taxes and insurance. Actual payment obligation will be greater. Property Insurance required. Flood Insurance may be required. APR=Annual Percentage Rate. All loans are subject to credit approval.

 

Program Property Location Income Limits Features
First Time Homebuyer

Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County

No Income Limitations

  • Rate Discount w/Auto-Deduct*
  • Half of Application Fee Waived
  • 10% Down w/No PMI
  • Relaxed Qualifying Standards
Home Helper

Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County

Bergen, Passaic, Hudson:
$63,440
Essex, Sussex, Morris, Hunterdon, Union:
$78,880
Somerset, Middlesex:
$86,480
Mercer:
$84,640

  • Discounted Rates May Apply
  • No Application Fee
  • 10% Down w/No PMI
Community Worker

Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County

No Income Limitations

  • Rate Discount w/Auto-Deduct*
  • No Application Fee
  • 10% Down w/No PMI
Neighborhood

Must be Located in Low to Moderate Income Geography in Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County

No Income Limitations

  • Discounted Rates May Apply
  • No Application Fee
  • Owner-Occupied: 10% Down w/No PMI
  • Investment: 20% Down
Home Enhancer

Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Morris, Passaic, Somerset, Sussex or Union County

No Income Limitations

  • Borrow up to 30% of Improved Value
  • Option to Roll Construction Fees into Mortgage Loan

*Rate discount does not apply to 30 year fixed rate.