Spencer Savings Bank,Loans,Mortgages,New Jersey New Jersey

Rates as of 03/10/2010

Loan Type	Points	Interest Rate	APR	Monthly Payment Per $1000 Borrowed	Information	Apply Now	Download Application
30 Year Fixed	0.00	5.625%	5.650%	$5.76	Loans Up To $750,000
20 Year Fixed	0.00	5.500%	5.533%	$6.88	Loans Up To $750,000
15 Year Fixed	0.00	4.875%	4.916%	$7.84	Loans Up To $750,000
10 Year Fixed	0.00	5.000%	5.058%	$10.61	Loans Up To $750,000
Loan Type	Points	Interest Rate	APR	Monthly Payment Per $1000 Borrowed	Information	Apply Now	Download Application
1/1/30 Year ARM	0.00	4.750%	4.200%	$5.22	Loans Up To $750,000
3/1/30 Year ARM	0.00	4.500%	4.235%	$5.07	Loans Up To $750,000
3/3/30 Year ARM	0.00	4.750%	4.868%	$5.22	Loans Up To $750,000
5/1/30 Year ARM	0.00	4.500%	4.285%	$5.07	Loans Up To $750,000
5/5/30 Year ARM	0.00	5.000%	5.564%	$5.37	Loans Up To $750,000
7/1/30 Year ARM	0.00	5.250%	4.698%	$5.52	Loans Up To $750,000
10/1/30 Year ARM	0.00	5.750%	5.242%	$5.84	Loans Up To $750,000

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. 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 $540 (1 family), $560 (Condo/Townhouse) or $640 (2-4 family) must be paid at time of application. Attorney Review Fee of $250 is due and payable after acceptance of commitment. These fees are non-refundable. A Rate Lock Fee of one half of a percent (.500) of the loan amount (refunded at closing) must be paid at time of rate lock.

Equal Housing Lender | Member FDIC | Spencer Savings Bank | Subject property must be in New Jersey