Submitting Your Fixed Home Equity Application

Whether you are looking to refinance an existing mortgage, finance large expenses like tuition, home improvements or debt consolidation, or secure a line of credit to keep available, we have the loans that could help. You can count on the knowledge and experience of our Home Equity Professionals to help you choose the plan that works for you. This Fixed Home Equity Application Package ( 284K file) is an 8 page pdf file. If you do not have the FREE Acrobat Adobe reader available to help you download this application, please get it now.

Please send your completed Mortgage Application Package to:

Spencer Savings Bank
Attention: Consumer Credit Department
River Drive Center 3
611 River Drive
Elmwood Park, NJ 07407
(800) 363-8115

We thank you for the opportunity to serve you and look forward to doing business with you. One of our Home Equity Representatives will be in touch with you within three business hours from receipt of your Application Package.