PERSONAL

LENDING

Things are only useful when they’re made well. That goes for all of our lending solutions. We put great care into structuring them so that they serve you well now and in the future. After all, our mortgages, loans and lines of credit are often the foundation of our customers’ greatest life moments.


We’re here to answer all of your questions,
call us at 201-683-8800.

MORTGAGES

When searching for your ideal home, you pay close attention to the details that matter most to you. We do that too—for you—when we’re crafting your mortgage. Whether you are buying, building or refinancing a home, we listen to what you value most and then match you with the right mortgage.

Home loan types offered:

  • Fixed Rate Mortgages
    Mortgage Plus Loans

  • Adjustable Rate Mortgages

  • Homebuyer Dream Program

  • Beginner Buyers Mortgages

  • Community Mortgages

  • Home Construction Loans

MORTGAGE PLUS LOANS
WITH RATES AS LOW AS 2.875%

Our mortgage advisors are at the ready to assist you with the 30 Year Fixed Residential Mortgage you need whether purchasing your first home or refinancing your current. With low competitive rates, personalized service, and a connection to our industry leading AxisChecking™ and AxisSavings™ accounts your loan is right around the corner.


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HOMEBUYER DREAM PROGRAMTM

The Homebuyer Dream Program is a grant program offered to eligible first time home buyers that provides up to $15,000 on a first come first serve basis. Grant money can be used to pay up to $14,500 towards down payment and closing costs, with $500 as credit towards an approved homeowner counseling program.

Eligibility Requirements:

  • Household is a first-time homebuyer
  • Total household income is at or below 80% area median income
  • Provide a fully executed Purchase and Sales Contract
  • A minimum equity contribution of $1,000 towards the purchase
  • Purchase an eligible property in New Jersey
  • Completion of homeownership counseling
  • Execution of a 5 year retention document at closing


Other restrictions may apply.  

HOME EQUITY LOAN

You have a lot of important financial needs. For a smart way to finance them, take out a home equity loan. Choose from a range of terms and enjoy the same fixed rate and monthly payment. There are no points, fees or closing costs. Renovate your home, pay for an upcoming expense or fund just about anything. Our local lenders will show you the way.

HOME EQUITY LINE OF CREDIT

A line of credit is like having cash on hand whenever you need it. Simply write a check for $500 or more as you would with a regular checking account. The line is secured by your home, and you only pay interest on the money you use. As repayments are made, the funds become available once again.

AUTOMATIC LOAN PAYMENTS

Our automated funds transfer service is an effortless way to have your loan payment automatically deducted from your checking or statement savings account. When you enroll, the funds are then electronically submitted to us for immediate credit to your loan.

Authorization Form

CREDIT CARDS

Everyone is made a bit differently, with unique spending styles and financial needs. It’s why we offer a variety of credit cards that accomplish your specific goals, whether it’s accumulating rewards points, building your credit or paying down balances faster.


The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

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