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  Holiday Closing
Spencer Savings Bank will be closing at 3:00pm on December 24th and closed on December 25th in observance of Christmas Day. Read Full Message

For your convenience, account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms.

First Time Homebuyer Mortgage

Are you looking to purchase your first home? Starting this journey is a big step, which is why we are here to help make this process as simple and straightforward as possible. Our experienced lenders will help you every step of the way, from application through closing. Let us customize a home mortgage package specifically designed for you.

First Time Homebuyer Mortgage features:

  • Half of Application Fee Charged
  • Fixed and Adjustable Products Available
  • 10% Down Payment w/No PMI
  • Relaxed Qualifying Standards

Eligibility Requirements:

  • Property Must Be Located in Bergen, Essex, Hudson, Mercer, Middlesex, Morris, Passaic, Somerset or Union County
  • Owner Occupied 1-2 Family

Apply Now

Today’s Rates

Contact Us Today

Jim Harilaou

Mortgage Sales Representative
NMLS# 519891
1-201-703-3800 ext. 8336
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