A mortgage that's right for you.

Just as style and taste differ from person to person, so do the mortgages they need. Home-buying budgets, income, assets, family size, and even geography play a part in mortgage planning. Deciding exactly where to go for that mortgage is easy...

Whether you're buying a "starter" home, moving up to the house of your dreams, buying a vacation home, or getting set to retire to a smaller house, Investors Savings has the mortgage to suit your need. If you qualify, you can borrow as much as $2,500,000.

Mortgages* ...

• Fixed-rate mortgages for purchase or refinancing provide regular monthly payments at set terms. Choose a shorter term to build up your home's equity faster or a longer term to pay less each month. Click here for applications.
• Adjustable-rate mortgages with rates fixed for one to ten years provide a lower initial rate for easier monthly payments when you're just starting out. Later, annual and lifetime caps limit interest-rate adjustments.
• Interest only ARM mortgages may reduce your monthly payment even further for the initial fixed period.
• First-time homebuyer and other affordable loan programs offer savings to new buyers and to low- or moderate-income borrowers.

All of our loans feature......

• No charge for rate locks up to 90 days
• Extended rate-lock in programs are available
• Automatic payment withdrawal option is available from Investors Savings' checking or statement savings accounts.
  

* Property must be 1-4 family, owner occupied as the owner's primary residence or true vacation home.

For current rate information, call toll free: 1-888-256-4447

Affordable Mortgage Program For Home Purchases

• Reduced rates available on various loan programs.
• Application fee refunded at closing.
• No points.
• May be eligible for reduced Private Mortgage Insurance coverage. 
• At closing, $500 will be given to the borrowers for use towards the purchase or closing costs.
• Interest rate locked at time of application at no charge.
• Flexible qualifying ratios.
• Prequalification available.
• Terms up to 40 years.
• Available on 1 to 2 family, owner-occupied New Jersey properties only.  (Not necessary to be a first-time home buyer to qualify.) 
• *Available in Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union, and Warren counties.