Dave Tepper David Tepper - AVP
Gibraltar Bank
973-602-3987 (o)
201-988-4063 (c)
davidt@Gibraltarbankfsb.com
NMLS # 369022

Portfolio Mortgage Rates

Loan Sale

WE ARE A PORTFOLIO BANK AND CAN DO THE DEALS
THAT THE BIGGER LENDER'S WON'T!

As strong as our name, since 1909! Application fee refunded at closing.
Free 60 Day Rate locks on ALL Program ! Loans are underwritten locally at our Whippany, NJ office.

CURRENT MORTGAGE RATES**
Program Rate Points APR Max Loan Fees In APR
 30 Yr. Fixed 3.500 % 0 3.536% $417,000 $ 625
 30 Yr. JUMBO 3.625% 0 3.661% $625,250 $ 625
 20 Yr Fixed 3.375 % 0 3.411% $417,000 $625
 20 Yr JUMBO 3.500 % 0 3.536% $625,250 $625
 15 Yr. Fixed 2.750 % 0 2.776% $417,000 $ 625
 15 Yr. JUMBO 3.000 % 0 3.026% $625,250 $ 625
 10 Yr. Fixed 2.750 % 0 2.761 % $ 417,000 $ 625
 10 Yr. Jumbo 2.875 % 0 2.886 % $ 625,250 $ 625
 5/1 ARM 2.500 % 0 2.430 % $ 600,000 $ 625
 7/1 ARM 3.000 % 0 2.930 % $ 600,000 $ 625
 
 
 
 
  $
EQUITY LOANS & LINES
 15 Yr. Fixed 4.250% 0 4.250% $500,000 $0
 HELOC 3.250% 0 3.250% $500,000 $0
LOAN SALE GOING ON NOW. APPLICATION FEE OF $350 REFUNDED AT CLOSING. NOTES to Mortgage Loans: 1. NJ Properties Only: Owner Occupied, 2nd Home and Investment. 2. Required Down Payment and Maximum Conforming Loan Amounts: 10% for: single family and condo’s up to $417,000; 20% and 2 family up to $533,850, 3 family up to $645,300, 4 family up to $801,950. All loans over 80% require private mortgage insurance (PMI). JUMBO loans: higher down payments required. 3.Fees: Application Fee $350 for single family / $550 for 2 – 4 family residence; Other closing fees apply. 4.ARM Loans: ARM index is the weekly average yield on the United States Treasury Securities adjusted to a constant maturity of 1 year = 0.12% for week ending 12/23/2011 Margin of 2.75%. 3 year ARMS have a 2% per adjustment 0cap and a 6% lifetime cap. 5, 7 and 10 year ARM have 2% per adjustment cap and a 5% lifetime cap. 5.Investment Properties: 1-4 family properties and condos. Max LTV 75% and add 3.00 points for Conforming Rate, or for "0" points add 1.00% to Conforming Rate. Rates subject to change without notice.

Rates are as of 02/12/2013

Available for 1-4 Family owner occupied residences in NJ. Rates shown as of publication date and are subject to change at any time.
Max. loan is $ 500,000. Rates are for 80% LTV,FICO>720. PMI required on all loans with less than 20% down.
Some restrictions apply. Additional rates and programs available. Call Dave Tepper @ 973-602-3987 for details.

FDIC

Gibraltar Bank-2 Railroad Plaza Whippany, New Jersey 07981

Dave Tepper David Tepper - AVP
Gibraltar Bank
973-602-3987 (o)
201-988-4063 (c)
davidt@Gibraltarbankfsb.com
NMLS # 369022

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