Mortgages

Atlantic Stewardship Banks offers a wide variety of residential mortgage loan products to suit your needs.

We are currently offering “The Best Deal in Town”. This is a Refinance of your New Jersey Home with NO CLOSING COSTS (1).

NO Title fees(2)(3)	NO Appraisal Fees	NO Recording Fees
NO Application Fees	NO Settlement Fees	NO Tax Service Fees
NO Underwriting Fees	NO Credit Report Fees	NO Commitment Fees

CLICK HERE FOR RATES

Click here to Apply Online*

Offer is valid for single family, owner occupied primary and secondary residences located in New Jersey. Minimum loan amount $175,000. Maximum loan amount $729,750. Offer is subject to program availability and may be cancelled at any time.  Not all applicants will qualify and not all properties offered as collateral will be acceptable under this special program. (1) Applicants will be responsible at closing for funding a tax and insurance escrow account, and any interim interest. (2) Title and settlement services must be provided by a company from our Title Agency List. (3) Alternatively, applicants may select their own title provider, however Atlantic Stewardship Bank will not then be responsible for any additional fees, other than for the mortgagor’s title insurance policy, charged by the alternative provider. Member FDIC.

Our other residential mortgage loan products include:

• Conventional and Jumbo Fixed Rate Mortgages: Click here for Rates
• Adjustable Rate Mortgages: Click here for Rates
• First Time Homebuyer’s and Affordable Housing Programs : Click here for Rates

* Adjustable rate mortgages are not available online; please call 201-444-7100 for adjustable rate mortgage information.

Atlantic Stewardship Bank does not offer VA, FHA or Graduated Payment Mortgages.

---

Special Mortgage Products

NJHMFA First Time Homebuyers Mortgage Program (MFA)

Atlantic Stewardship Bank is a participant in the New Jersey Housing and Mortgage Finance Agency's First Time Homebuyers program. The loan program is for purchase transactions only with loans up to 95.00% of value. Eligible properties include one family units including condominiums (new and existing), 2-4 family dwellings which have been in existence for 5 or more years. Income limits are determined by the area of purchase (subject property) as well as family size. Please call the mortgage department to obtain details as to the current interest rate, maximum loan amounts income limits and other loan criteria.

Interest Only Adjustable Rate Mortgages

• Interest-only payments for a pre-set number of months, followed by monthly payments of principal and interest that amortize the loan over its remaining term.
• Principal reductions allowed at any time. This reduces the monthly payment during the interest-only period of the loan and when the amortization process begins.

This product is ideal for:

• Borrowers wanting more control of their cash flow: use the monthly savings for other use such as furnishing their new home, assisting self-employed who have seasonal income variances.
• Relocation borrowers: expands their purchasing power in a high cost area such as New Jersey.

Standard ARM loans are also available. Please call the mortgage department for details.

Mortgage Rates

• Fixed Rates
• Adjustable Rates
• Special Program Rates

Related Links

• Deposit Rates
• Loan Rates
• Mortgage Rates
• Calculators

Important Information

On September 11, 2001, our lives changed forever. In an effort to protect you and our country, the USA PATRIOT Act was signed into law. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents.

We proudly support all efforts to protect and maintain the security of our customers and our country.