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Mortgage Loans FAQ's

Q. What are your current interest rates?
A. Interest rates vary on a daily basis; call 201-823-0700 for current rates

Q. Where can I go to apply for a mortgage?
A. You can apply at any one of our branch locations, or you can make an appointment with one of our experienced loan officers.

Q. What should I bring with me when I apply?
A. It would be helpful but not necessary to bring the following items with you when meeting with a loan officer: Tax Returns, Bank Statements & a recent paystub.

Q. Is there a way to find out, on my own what my payment will be?
A. On our Website, click on "Calculators", then "Mortgage loans" and fill in the numbers and it will calculate your principal and interest payment.

Q. What are points?
A. Points are a fee a lender charges in order to give the borrower a lower interest rate.
1 point = 1% of the loan amount.

Q. What is an APR?
A. The APR or Annual Percentage Rate is the cost of credit to the borrower disclosed as an annual rate. The borrower can typically use the APR to compare loans from different Lenders.

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