Current Mortgage Rates From: Gibraltar Savings Bank

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, Senior Loan Officer - AVP
He will be happy to help you find the right mortgage program for you.
973.602.3987 (o) or 201-988-4063 (c)
davidt@gibraltarbanknj.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	2.750%	0	2.750%	$417,000	$625
10 Yr. FIXED RATE	2.875%	0	2.875%	$625,000	$625
15 Yr. FIXED RATE	2.750%	0	2.750%	$250,000	$0 cost
	2.750%	0	2750%	$600,000	$625
	2.875	0	2.875%	$250,000	$0 cost
20 Yr. FIXED RATE	3.375%	0	3.375%	$417,000	$625
	3.500%	0	3.500%	$625,000	$625
	3.750%	0	3.750%	$1,000,000	$625
30 Yr. FIXED RATE	3.625%	0	3.625%	$417,000	$625
	3.750%	0	3.750%	$625,000	$625
	4.125%	0	4.125%	$1 million	$625

Adjustable Mortgage Rate Products

Program	Rate	Points	APR	Max Loan	Fees In APR
3/1/30 ARM	2.500%	0	2.794%	$600,000	$625
3/1/30 ARM	2.625%	0	2.821%	$1,000,000	$625
5/1/30 ARM	2.500%	0	2.747%	$600,000	$625
5/1/30 ARM	2.750%	0	2.823%	$1,000,000	$625
7/1/30 ARM	2.875%	0	2.931%	$600,000	$625
7/1/30 ARM	3.000%	0	3.047%	$1 million	$625
10/1/30 ARM	3.750%	0	3.410%	$600,000	$625
10/1/30 ARM	3.75%	0	3.410%	$1 million	$625
*Agency Conforming Rate
Application fee refunded at closing on first mortgage owner occupied properties. 75 Day rate locks on purchase loans. 60 Day on refinances. Bi-weekly payment option available for Fixed Rate loans. Not applicable on Balloon loans. We offer: Construction Loans, Mixed Use Loans,Multi Family Loans to $ 1,000,000.

Fixed Rate Home Equity - HE Loan

Program	Rate	Points	APR	Max Loan	Fees In APR
5 YR. FIXED	3.500%	0	3.500%	$500,000	$0
10 YR. FIXED	3.750%	0	3.750%	$500,000	$0
15 YR. FIXED	4.000%	0	4.000%	$500,000	$0
20 YR. FIXED	4.250%	0	4.250%	$500,000	$0

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
10/5/25	call			1000000
5 Yr	call			1000000

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