Mortgages

Atlantic Stewardship Banks offers a wide variety of residential mortgage loan products to suit your needs. Whether you are a first time homebuyer or a homeowner looking to refinance your existing mortgage loan chances are we can help with flexible terms, competitive rates and fast, local decisions. Atlantic Stewardship Bank residential mortgage loans are available for the purchase or refinance of your primary residence, second home or investment property.

Our residential mortgage loan products include:

• Conventional Mortgages
• Jumbo Mortgages
• Fixed and Variable Rate Low/Moderate Income Programs
• First Time Homebuyer’s Program

View our current rates and apply online*.

* 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.

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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.

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.