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Today's Mortgage Rates

Rates as of March 24, 2017, 10:37 am

Owner Occupied
Loan Type Points Interest Rate APR* Monthly Payment Per $1000 Borrowed Loan Amounts Apply Now Download Application
30 Year HomeHelper Fixed Rate 0 3.240% 3.269% $4.35 Up To $424,100 Apply Now Download Application
30 Year Fixed Rate 0 4.250% 4.283% $4.92 Up To $424,100 Apply Now Download Application
30 Year Fixed Rate 0 4.250% 4.275% $4.92 $424,101 Up To $1,000,000 Apply Now Download Application
30 Year Fixed Rate 0 4.500% 4.522% $5.07 $1,000,001 Up To $1,500,000 Apply Now Download Application
30 Year Fixed Rate 0 4.750% 4.772% $5.22 $1,500,001 Up To $2,000,000 Apply Now Download Application
20 Year HomeHelper Fixed Rate 0 3.250% 3.291% $5.67 Up To $424,100 Apply Now Download Application
20 Year Fixed Rate 0 4.000% 4.043% $6.06 Up To $424,100 Apply Now Download Application
20 Year Fixed Rate 0 4.000% 4.033% $6.06 $424,101 Up To $1,000,000 Apply Now Download Application
20 Year Fixed Rate 0 4.250% 4.279% $6.19 $1,000,001 Up To $1,500,000 Apply Now Download Application
20 Year Fixed Rate 0 4.500% 4.528% $6.33 $1,500,001 Up To $2,000,000 Apply Now Download Application
15 Year Fixed Rate 0 3.375% 3.425% $7.09 Up To $424,100 Apply Now Download Application
15 Year Fixed Rate 0 3.375% 3.413% $7.09 $424,101 Up To $1,000,000 Apply Now Download Application
15 Year Fixed Rate 0 3.625% 3.658% $7.21 $1,000,000 Up To $1,500,000 Apply Now Download Application
15 Year Fixed Rate 0 3.875% 3.907% $7.33 $1,500,001 Up To $2,000,000 Apply Now Download Application
10 Year Fixed Rate 0 3.125% 3.195% $9.71 Up To $424,100 Apply Now Download Application
10 Year Fixed Rate 0 3.125% 3.177% $9.71 $424,101 Up To $1,000,000 Apply Now Download Application
10 Year Fixed Rate 0 3.375% 3.470% $9.83 $1,000,001 Up To $1,500,000 Apply Now Download Application
10 Year Fixed Rate 0 3.625% 3.668% $9.95 $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, 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.

Fees: Attorney Review Fee is $325, Final Inspection Fee $120 (if applicable), Credit Report Fee ($16.10 per borrower), Application Fee $150.80 (1-4 family) and Flood Certification $17. 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 nonrefundable. All loans are subject to credit approval.

Owner Occupied
Loan Type Points Interest Rate APR* Monthly Payment Per $1000 Borrowed Loan Amounts Apply Now Download Application
1/1/30 Year Adjustable Rate 0 2.375% 3.773% $3.89 Up To $1 Million Apply Now Download Application
1/1/30 Year Adjustable Rate 0 2.625% 3.791% $4.02 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
1/1/30 Year Adjustable Rate 0 2.875% 3.809% $4.15 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
3/1/30 Year Adjustable Rate 0 2.750% 3.642% $4.08 Up To $1 Million Apply Now Download Application
3/1/30 Year Adjustable Rate 0 3.000% 3.695% $4.22 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
3/1/30 Year Adjustable Rate 0 3.250% 3.750% $4.35 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
3/3/30 Year Adjustable Rate 0 2.875% 3.862% $4.15 Up To $1 Million Apply Now Download Application
3/3/30 Year Adjustable Rate 0 3.125% 3.915% $4.28 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
3/3/30 Year Adjustable Rate 0 3.375% 3.970% $4.42 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
5/1/30 Year Adjustable Rate 0 3.000% 3.587% $4.22 Up To $1 Million Apply Now Download Application
5/1/30 Year Adjustable Rate 0 3.250% 3.671% $4.35 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
5/1/30 Year Adjustable Rate 0 3.500% 3.758% $4.49 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
5/5/30 Year Adjustable Rate 0 3.000% 4.063% $4.22 Up To $1 Million Apply Now Download Application
5/5/30 Year Adjustable Rate 0 3.250% 4.148% $4.35 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
5/5/30 Year Adjustable Rate 0 3.500% 4.236% $4.49 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
7/1/30 Year Adjustable Rate 0 3.250% 3.604% $4.35 Up To $1 Million Apply Now Download Application
7/1/30 Year Adjustable Rate 0 3.500% 3.717% $4.49 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
7/1/30 Year Adjustable Rate 0 3.750% 3.833% $4.63 Between $1,500,001 - $2,000,000 Million Apply Now Download Application
10/1/30 Year Adjustable Rate 0 3.750% 3.820% $4.63 Up To $1 Million Apply Now Download Application
10/1/30 Year Adjustable Rate 0 4.000% 3.972% $4.77 Between $1,000,001 - $1,500,000 Million Apply Now Download Application
10/1/30 Year Adjustable Rate 0 4.250% 4.128% $4.92 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.

Fees: Attorney Review Fee is $325, Final Inspection Fee $120 (if applicable), Credit Report Fee ($16.10 per borrower), Application Fee $150.80 (1-4 family) and Flood Certification $17. 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 nonrefundable. 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 & 5/5 ARM = 2.50%

 

 

Loan Type Points Interest Rate APR* Monthly Payment Per $1000 Borrowed Loan Amounts Apply Now Download Application
30 Year Fixed 0 4.625% 4.652% $5.14 Up To $750,000 Apply Now Download Application
20 Year Fixed 0 4.375% 4.410% $6.26 Up To $750,000 Apply Now Download Application
15 Year Fixed 0 3.750% 3.790% $7.27 Up To $750,000 Apply Now Download Application
10 Year Fixed 0 3.500% 3.555% $9.89 Up To $750,000 Apply Now Download Application
1/1/30 Year ARM 0 2.750% 4.603% $4.08 Up To $750,000 Apply Now Download Application
3/1/30 Year ARM 0 3.125% 4.394% $4.28 Up To $750,000 Apply Now Download Application
3/3/30 Year ARM 0 3.250% 4.706% $4.35 Up To $750,000 Apply Now Download Application
5/1/30 Year ARM 0 3.375% 4.275% $4.42 Up To $750,000 Apply Now Download Application
5/5/30 Year ARM 0 3.375% 4.817% $4.42 Up To $750,000 Apply Now Download Application
7/1/30 Year ARM 0 3.625% 4.237% $4.56 Up To $750,000 Apply Now Download Application
10/1/30 Year ARM 0 4.125% 4.384% $4.85 Up To $750,000 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 $750,000 on properties throughout New Jersey 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. Fees: Application Fee of $710 (1 family), $730 (Condo/Townhouse) or $835 (2-4 family) must be paid at time of application. Attorney Review Fee of $325 is due and payable after acceptance of commitment. These fees are non-refundable.

Fees: Attorney Review Fee is $325, Final Inspection Fee $120, Appraisal Fee $425 (1 family) or $550 (2-4 family), Flood Certification $17 and Application Fee $235.80 (single family) and $235.80 (2-4 family). 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 the initial Truth in Lending Disclosure. In addition, there is a Credit Report Fee ($16.10 per borrower) due and payable to Spencer at time of application. These fees are nonrefundable. All loans are subject to credit approval.

Loan Type Points Interest Rate APR* Monthly Payment Per $1000 Borrowed Loan Amounts Apply Now Download Application
30 Year Fixed 0 4.875% 4.909% $5.29 Up To $500,000 Contact Us Download Application
20 Year Fixed 0 4.625% 4.670% $6.39 Up To $500,000 Contact Us Download Application
15 Year Fixed 0 4.000% 4.052% $7.40 Up To $500,000 Contact Us Download Application
10 Year Fixed 0 3.750% 3.823% $10.01 Up To $500,000 Contact Us Download Application
1/1/30 Year ARM 0 3.000% 4.625% $4.22 Up To $500,000 Contact Us Download Application
3/1/30 Year ARM 0 3.375% 4.452% $4.42 Up To $500,000 Contact Us Download Application
3/3/30 Year ARM 0 3.500% 4.764% $4.49 Up To $500,000 Contact Us Download Application
5/1/30 Year ARM 0 3.625% 4.364% $4.56 Up To $500,000 Contact Us Download Application
5/5/30 Year ARM 0 3.625% 4.907% $4.56 Up To $500,000 Contact Us Download Application
7/1/30 Year ARM 0 3.875% 4.355% $4.70 Up To $500,000 Contact Us Download Application
10/1/30 Year ARM 0 4.375% 4.540% $4.99 Up To $500,000 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 $500,000 on properties throughout New Jersey 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. Fees: Application Fee of $710 (1 family), $730 (Condo/Townhouse), $835 (2-4 family), or $1,785 (mixed-use 2-4 units) must be paid at time of application. Attorney Review Fee of $500 is due and payable after acceptance of commitment. These fees are non-refundable.

Fees: Attorney Review Fee is $500, Final Inspection Fee $120, Appraisal Fee $425 (1 family), $550 (2-4 family),$1,500 (mixed-use 2-4 units), Flood Certification $17 and Application Fee $235.80. These fees must be paid at application. In addition, there is a Credit Report Fee ($16.10 per member of the entity) due and payable to Spencer at time of application. These fees are nonrefundable. 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, Middlesex:
$58,080
Essex, Sussex, Morris, Hunterdon, Union, Somerset:
$76,080
Mercer:
$74,400

  • 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*
  • Refunded 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
  • 10% Down w/No PMI
Closing Assistance

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

Bergen, Passaic, Hudson, Middlesex:
$58,080
Essex, Sussex, Morris, Hunterdon, Union, Somerset:
$76,080
Mercer:
$74,400

  • Discounted Loan Rates
  • No Application Fee
  • Relaxed Qualifying Standards
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.