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.

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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. Call for questions at 1-855-891-7317.

Home loan types offered:

  • Fixed Rate Mortgages

  • Adjustable Rate Mortgages

  • Beginner Buyers Mortgages

  • Community Mortgages

  • Home Construction Loans

  • Mortgage Modification Program

MORTGAGE MODIFICATION
PROGRAM

Our Mortgage Modification Program may enable you to reduce the interest rate of your existing mortgage loan to the rates currently offered.

  • Available on 1-4 family residential properties serviced by Blue Foundry Bank ®

  • Adjustable Rate Mortgages may be modified into the same Adjustable Rate Mortgage Program or into a Fixed Rate Mortgage Program

  • Fixed Rate Loans may not be modified into an ARM Program

  • Delinquent loans are not considered for modification

For interest rate, modification fee, loan adjustment date and additional requirement information, please refer to the Terms and Conditions within the Mortgage Modification Application Form.

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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