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  • Loans

    If you are considering buying a home or refinancing a mortgage in NJ, we are here to help! 

    Information about the types of loans we provide appear below. 

    Here's a few different ways to get started: 

    Schedule a phone consultation with a Mortgage Loan Specialist. Or give us a call at 973-778-6791.

    View our current rates.

    Complete a pre-qualification request.

    Start a full mortgage application.

     Equal Housing Lender. NMLS# 518884

    Home Mortgages

    CSBK provides mortgage loans on one-to-four family properties located in New Jersey.

    RATES

    APPLY NOW

    Fixed Rate Mortgage

    • Predictable monthly principal and interest payments for the life of your loan
    • 15, 20 and 30 year terms
    • Down payments as low as 10% of purchase price*
    • Single family and condominium amounts from $25,000 to $625,500;
    • Two-to-four family loan limits higher; please contact us
    • Your loan stays with (is serviced by) Clifton Savings Bank

    Jumbo Mortgage

    • For home loans between $625,501 and $1.5 million
    • Fixed rate and adjustable rate loan options available
    • Your loan stays with (is serviced by) Clifton Savings Bank

    Adjustable Rate Mortgage

    • Lower principal and interest payments for the first years of your loan
    • Rate is set for a predetermined period, then will reset with a new rate that can be either higher or lower depending on market conditions at the time the adjustment occurs
    • May be a good option if you’re expecting an increase in income, or planning to live in the home for a short period of time
    • Loans size ranges from $25,000 – $1.5 million
    • Your loan stays with (is serviced by) Clifton Savings Bank

    *Some exclusions apply; loans with down payment of less than 20% require private mortgage insurance.

    Special Mortgage Programs - My First Home, My Wallet, My Neighborhood, My Community

    CSBK offers special programs for qualified borrowers designed to make home ownership more affordable.

    RATES

    APPLY NOW

    My First Home

    • Open to applicants who have not owned a home in the previous three years
    • The property must be located in Bergen, Essex, Hudson, or Passaic County, NJ
    • Property must be primary residence
    • Rate reduction of .25% from our stated interest rates
    • Borrow up to 95% of the value of the property for single or two family homes (80% on condos)
    • Application fee is refunded at closing

    My Wallet

    • Income cannot exceed $58,080 if purchasing in Bergen, Hudson and Passaic or $76,080 for Essex
    • The property must be located in Bergen, Essex, Hudson or Passaic County, NJ
    • Rate reduction of .25% from our stated interest rates
    • Application fee is refunded at closing
    • Appraisal, credit report and flood certification fees are refunded
    • CSBK will pay Private Mortgage Insurance (PMI) premiums if needed however rate reduction changes to .125% from our stated rates

    My Neighborhood

    • The property must be located in a low-income or moderate-income census tract in Bergen, Essex, Hudson, or Passaic County, NJ
    • Rate reduction of .25% from our stated interest rates
    • Application fee is refunded at closing
    • Appraisal, credit report and flood certification fees are refunded

    My Community

    • The borrower must be a Municipal or Board of Education employee, or an emergency services volunteer working for a community located in Bergen, Essex, Hudson, or Passaic County, NJ
    • Property must be a primary residence
    • Rate reduction of .25% from our stated interest rates
    Home Equity Fixed Rate Loan 

    CSBK provides home equity loans on one-to-four family properties located in New Jersey. 

    RATES

    APPLY NOW

    • Borrow a specific amount, with a fixed rate, term, and monthly payment
    • Great for debt consolidation, major home renovations, or large one-time purchases
    • Loan amount: $5,000 up to $250,000
    • The interest you pay may be tax deductible1
    • Your loan stays with (is serviced by) Clifton Savings Bank

       

    1Consult with your tax advisor to determine eligibility.

    Home Equity Variable Rate Line of Credit

    CSBK provides home equity lines of credit on one-to-four family properties located in New Jersey. Property securing the loan must be a primary residence.

    RATES

    DISCLOSURES

    APPLY NOW

    • Access funds for large expenses, now and in the future
    • Line amount: $5,000 up to $250,000
    • The interest you pay may be tax deductible1
    • Your loan stays with (is serviced by) Clifton Savings Bank


    1Consult with your tax advisor to determine eligibility.

    Account Balance Loan

    Borrow against your savings or CD account balance using this low-cost method.

    Contact a Mortgage Loan Specialist

    Looking to speak to someone about applying for a mortgage or refinancing your home?

    We're here to help!

    Contact: Teudy Navarro, CSBK Mortgage Loan Specialist    NMLS# 276493

    973-602-9922

    tnavarro@csbk.bank

    Schedule a personal phone consultation with Teudy

    Begin a Mortgage Application

    Complete a Pre-qualification Request

    View our current rates


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