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Mortgage Loans provided by ISB Mortgage Co., LLC | |
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Investors Savings Bank is a $8-billion savings bank which has served banking customers in New Jersey for over 70 years. We currently have 65 branch offices in eight New Jersey counties. Apply Online at http://isbnj.mortgagewebcenter.com for purchase or refinance, on one- to four-family properties in NJ, NY, PA, CT & DE. The home must be owner occupied as the owner's primary residence, be a true second/vacation home or investment property. The interest rate is locked in at time of application. Reverse Mortgages available for Senior Homebuyers over age 62. Please call to discuss program details and rates. |
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| First Mortgage Loans (maximum $2,500,000)* | ||||||
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| Program | Rate | Points | APR | Max Loan | Monthly P&I Per $1,000 |
Fees In APR |
| 5 Yr. ARM Interest Only | 4.750% | 0 | 3.696% | $3,000,000 | $3.96 | 461.00 |
| 10/1 ARM Interest Only | 5.250% | 0 | 4.415% | $3,000,000 | $4.38 | 461.00 |
| 5 Year Fixed Rate, Converting to a 1 Year ARM | 4.500% | 0 | 3.624% | $3,000,000 | $5.07 | 461.00 |
| 7 Year Fixed Rate, Converting to a 1 Year ARM | 4.750% | 0 | 4.036% | $3,000,000 | $5.30 | 461.00 |
| 10 Year Fixed Rate, Converting to a 1 Year ARM | 5.000% | 0 | 4.315% | $3,000,000 | $5.37 | 461.00 |
| 15 Yr. Fixed Portfolio Conforming to $750,000 | 4.625% | 0 | 4.641% | $750,000 | $7.72 | 461.00 |
| 15 Yr. Fixed Rate Jumbo | 5.000% | 0 | 5.010% | $3,000,000 | $7.91 | 461.00 |
| 20 Yr. Fixed Portfolio Conforming to $750,000 | 4.875% | 0 | 4.887% | $750,000 | $6.54 | 461.00 |
| 15/30 Fixed Rate Balloon | 5.125% | 0 | 5.261% | $750,000 | $5.53 | 461.00 |
| 30 Yr. Fixed Agency Conforming (1) to $417,000 | 4.875% | 0 | 4.893% | $417,000 | $5.30 | 461.00 |
| 30 Yr. Fixed Portfolio Conforming to $750,000 | 5.375% | 0 | 5.384% | $750,000 | $5.60 | 461.00 |
| 30 Yr. Fixed Rate Jumbo | 5.625% | 0 | 5.631% | $3,000,000 | $5.76 | 461.00 |
| 40 Year Fixed Rate Conforming to $417,000 | 5.375% | 0 | 5.886% | $417,000 | $5.08 | 461.00 |
| First Time Home Buyers programs also available. | ||||||
*Rates quoted may not be available in all Pennsylvania counties. Call for specific quote.
*Private mortgage insurance is required on all loans with less than 20% down, up to $500,000.
*Loan amounts between $1,500,000.00 to $3,000,000.00. Add .25% to quoted rate.
*For Coops, add .125% to quoted rate above.
*For New York properties, add .125% to quoted rate above.
**Adjustable rate mortgages are variable rate and may increase or decrease after closing.
(1) Rate available to qualifying FICO score above 720. Other rates and terms available; Call for details.
All rates are as of November 20, 2009 and are subject to change.
| [The information on this page is updated directly by the lender using HSH's LiveEdit service. Please contact the lender with any questions or comments about the information posted here.] |
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ISB Mortgage Co. 249 Millburn Avenue Millburn, NJ 07041 Toll Free: 800-965-3006 Office: 732-367-0052 Fax: 973-969-9235 |
Mortgage Loans provided by ISB Mortgage Co., LLC
A licensed mortgage banker.
Licensed by the NJ Dept. of Banking and Insurance.
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