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Mortgage Loans

Adjustable Rate Mortgages
Fixed Rate Mortgages
Low / Moderate Income Mortgages
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New Jersey Fixed Rate Mortgages

TERMS FROM 10 YEARS UP TO 40 YEARS

Check Our Rates!

Benefits of a 30 or 40 year fixed rate mortgage:
  • Traditional method of financing a home
  • Interest rate remains the same for the life of the loan
  • Monthly payment of principal and interest does not vary
  • Provides for easier budget planning
  • Protects against fluctuating rates.
Benefits of a 10, 15, or 20, year fixed rate mortgage:
  • Faster equity build-up
  • Satisfaction of being debt free sooner
  • Interest rate on shorter length terms is usually less than the standard 30 year term.

New - Interest Only Fixed Rate Mortgage Loans
Benefits of a 30 year fixed rate interest only mortgage:

  • Interest only payments for the first 10 years of the mortgage
  • Allows lower initial monthly payments and increased affordability
  • Please call for further details
Do you know how much you can afford?Our mortgage calculator is designed to give you an estimate of the mortgage loan amount that fits your budget.
Currently effective Annual Percentage Rate (APR) as of
- All interest rates are subject to change without notice.
- Please note that all rates listed below are based on Full Documentation loans only.
- Property must be located within the state of New Jersey.
- Other Mortgage Programs with lower rates and higher fees are available upon request.
- See Lending Policy (disclosed in Mortgage Application) for further details.

* Please note on loans shown above with 0.00% fees, a 1% fee is actually due at time of commitment acceptance which will be refunded when and if the loan closes. Should the loan not close, the fee will not be refunded.

Loans Over $1,000,000
Loans from $1,000,100 to $1,500,000 – Add 0.125% to applicable base rate
Loans from $1,500,100 to $3,000,000 – Add 0.250% to interest rate


Interest rates are locked in at time of receipt of an application and will hold through the processing of the loan application plus an additional 90 day commitment period. All interest rates quoted are based on a 90 day commitment.

Additional extended rate lock pricing is offered as follows: (Fees listed below are non-refundable commitment fees):
  • Additional 30 Day Lock – Add .250% to Commitment Fee
  • 180 Day Commitment – Add .500% to Commitment Fee
  • 270 Day Commitment – Add .750% to Commitment Fee
  • 360 Day Commitment – Add 1.00% to Commitment Fee

If you are interested in a Hudson City mortgage, or have questions about the best mortgage to meet your needs, feel free to contact us by either e-mail, phone or visit one of our branches or mortgage centers. You can also download a mortgage application by clicking the link below:

PHONE US
Ask for a Mortgage Origination Representative who will assist you in determining which Mortgage Product best fits your needs.

  • New Jersey Properties Contact Information
  • New York Properties Contact Information
    • Long Island
      (631) 727-9630
    • Staten Island
      (718) 720-5767
    • Columbia, Dutchess, Putnam, Rockland, and Westchester
      1-800-222-0194 Ext. 1255, 1229,1247
    • Other New York Properties
      1-800-222-0194 Ext. 1255, 1229,1247
  • Connecticut Properties Contact Information

VISIT US
At any of our Branch Locations or Mortgage Processing Centers.

E-MAIL US
Contact us using our secure email form.

WANT AN APPLICATION?
If you decided to apply or just want to get a head start, print and complete our Mortgage Application Package.

Completed applications may be hand-delivered or mailed to one of our Branch Locations or Mortgage Centers.
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