Spring belongs to homebuyers. With interest rates on the rise, now is the time to make your move into a new home or refinance your existing mortgage loan. With a fixed rate, you’ll have the security of knowing that your interest and monthly payments will never increase through the life of the loan.
- Loan Amounts up to $1 Million
- Purchases and Refinances
- Zero Points
- Free Pre-Qualifications
- Variety of Terms Available
- Easy Online Application
Speak with a Customer Service Representative at 1-800-363-8115.
*APR=Annual Percentage Rate. Above rates, APRs and terms apply to single family, owner-occupied contract sales and refinances in amounts up to $1,000,000 on properties throughout New Jersey and Bucks County, PA. (Please contact us for rate information on loans from $1,000,001 to $2 Million.) For all loan types, 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. 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.