Gibraltar Bank is one of New Jersey’s oldest and finest financial institutions. It was founded in March, 1909, and was originally known as Gibraltar Building & Loan Association. Gibraltar Bank has three conveniently located branch offices in Essex and Morris counties, with a highly-trained staff and management team. Our ongoing mission is to provide FDIC insured deposits, promote homeownership and consistently offer a full line of products and services which help our local residents and businesses prosper.

Call David Tepper, Vice-President of Lending
He will be happy to help you find the right mortgage program for you.
973.602.3987 (o) or 201-988-4063 (c)
davidt@gibraltarbankfsb.com
2 Railroad Plaza Whippany NJ 07981
NMLS #369022

First Mortgage Program Loan Sale! Application Fee refunded at closing on primary residence.

FREE 60-day Rate Lock on All Programs! Loans are all underwritten locally at our Whippany, NJ office.

Residential Mortgage Rates
Fixed Mortgage Rate Products
Program Rate Points APR Max Loan Fees In APR
 10 Yr. FIXED RATE 2.875%% 0 2.875%% $417,000 $625
2.875% 0 2.876%% $625,500 $625
 15 Yr. FIXED RATE 3.000% 0 3.001% $625,500 $625
3.000% 0 3.001% $417,000 $625
3.500% 0 3.501% $ 1 Million $625
 20 Yr. FIXED RATE 3.500% 0 3.501% $417,000 $625
3.500% 0 3.501% $625,500 $625
Call 0 Call $1,000,000 $625
 30 Yr. FIXED RATE 3.875% 0 3.876% $417,000 $625
3.875% 0 3.876% $625,000 $625
Call 0 Call $1 Million $625
Adjustable Mortgage Rate Products
Program Rate Points APR Max Loan Fees In APR
 6/3/3 ARM - NEW ! 3.250% 0 3.475% $625,500 $625
3.375% 0 3.525% $1,000,000 $625
 5/1/30 ARM 2.750% 0 2.832% $625,500 $625
3.000% 0 2.918% $1,000,000 $625
 7/1/30 ARM 3.125% 0 2.990% $625,500 $625
3.500% 0 3.163% $1 million $625
 10/1/30 ARM 3.875% 0 3.489% $625,500 $625
4.000% 0 3.568% $1 million $625
*Agency Conforming Rate
75 DAY RATE LOCK ON NEW PURCHASES. 60 DAY RATE LOCK ON REFI - NO COST REFINANCING TO $350,000 - CONSTRUCTION LENDING - MULTI FAMILY AND MIXED USE LOANS - SMALL COMMERCIAL LOANS TO 1.5 MILLION. PORTFOLIO LENDING NON FREDDIE/ FANNIE.
Fixed Rate Home Equity - HE Loan
Program Rate Points APR Max Loan Fees In APR
20 YR. FIXED 3.990% 0 3.990% $350,000 $0 COST
5 YR. FIXED 2.500% 0 2.500% $350,000 $0 COST
10 YR. FIXED 3.125% 0 3.125% $350,000 $0 COST
15 YR. FIXED 3.625% 0 3.625% $350,000 $0 COST
Home Equity Line of Credit - HELOC
Program Rate Points APR Max Loan Fees In APR
HOME EQ. LINE OF CREDIT 3.250% 0 3.250% $500,000 $0
Commercial Loan Products
Program Rate Points APR Max Loan Fees In APR
MULTI FAMILY CALL CALL CALL 1000000 CALL
MIXED USE CALL CALL CALL 1000000 CALL
Rates as of 9/3/2014
FDIC

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