Welcome to PGB Mortgage

PGB Mortgage has been focused on providing personalized customer service to the New Jersey Banking community since 1921. We are committed to offering our customers the most convenient and innovative products and services to help them successfully navigate through the demands of life. Discover all of the conveniences PGB Mortgage has to offer today.

Current Mortgage Rates

Effective 6/26/2014

Program Rate Points Annual
Percentage
Rate
Estimated Payments Monthly
Payment
Per $1,000
Max. Loan 2 Rate
Lock
Days
# of
Months
Rate Amount
Adjustable-Rate Mortgages 1,2
3/1 LIBOR ARM* 3.125% 0 2.915% 36 3.125% $642.56 $4.28 $417,000 45
323 2.750% $614.87
1 2.750% $613.88
5/1 LIBOR ARM* 3.000% 0 2.945% 60 3.000% $632.41 $4.22 $417,000 45
299 2.750% $615.20
1 2.750% $615.20
5/1 LIBOR ARM Hi-Balance* 3.125% 0 2.989% 60 3.125% $841.31 $4.28 $625,500 45
179 2.750% $819.59
1 2.750% $819.59
7/1 LIBOR ARM* 3.250% 0 3.092% 84 3.250% $652.81 $4.35 $417,000 45
275 2.750% $620.33
1 2.750% $620.33
7/1 LIBOR ARM High Balance* 3.375% 0 3.151% 84 3.375% $663.14 $4.42 $625,500 45
275 2.750% $622.27
1 2.750% $622.27
10/1 LIBOR ARM* 3.625% 0 3.402% 120 3.625% $684.08 $4.56 $417,000 45
239 2.750% $632.47
1 2.750% $632.38
10/1 LIBOR ARM High Balance* 3.750% 0 3.481% 120 3.750% $694.67 $4.63 $625,500 45
239 2.750% $635.25
1 2.750% $634.12
Fixed-Rate Mortgages
10 Year Fixed-Conforming* 3.000% 0 3.294% 120 3.000% $1,448.41 $9.66 $417,000 45
10 Year Fixed High Balance* 3.125% 0 3.422% 120 3.125% $1,457.08 $9.71 $625,500 45
15 Year Fixed-Conforming* 3.125% 0 3.329% 180 3.125% $1,044.91 $6.97 $417,000 45
15 Year Fixed High Balance* 3.375% 0 3.584% 180 3.375% $1,063.14 $7.09 $625,500 45
20 Year Fixed-Conforming* 3.875% 0 4.031% 240 3.875% $899.12 $5.99 $417,000 45
20 Year Fixed High Balance* 4.000% 0 4.158% 240 4.000% $908.97 $6.06 $625,500 45
30 Year Fixed-Conforming* 4.125% 0 4.250% 360 4.125% $726.97 $4.85 $417,000 45
30 Year Fixed-High Balance* 4.125% 0 4.250% 360 4.125% $726.97 $4.85 $625,500 45
Affordable Housing Loan Programs 3
30 Year Fixed 3.875% 0 4.959% 360 3.875% $705.36 $4.70 N/A 90

Payments do not include amounts for taxes and insurance. Actual payment obligation will be greater.
1 year LIBOR Index 0.55%

Rates quoted are the lowest rates for qualified applicants,are subject to change without notice and are subject to credit approval. Other rates and terms are available and may apply based on our underwriting guidelines. Underwriting guidelines include, but are not limited to, loan amount, credit history, and the actual appraised value of the property. Mortgage loans in excess of an 80% (LTV) require Private Mortgage Insurance (PMI). Maximum LTV without mortgage insurance is 80% for loans up to $750,000.00. Call for Maximum LTV for loans over $750,000.00. Payment schedules are based on a loan amount of $150,000.

1 The APR for the Adjustable Rate Mortgages (ARMs) are based on a 30-year term with ARM caps: for the 3/1 ARM: 2% max 1st adjustment, 2% per subsequent adjustment & 6% lifetime; for the 5/1 ARM: 2% max 1st adjustment, 2% per subsequent adjustment & 5% lifetime; for the 7/1 ARM & 10/1 ARM: 5% max 1st adjustment, 2% per subsequent adjustment & 5% lifetime. After the initial period, rates and payments are based on the current index plus a margin. APR may increase after closing.

2 Please call for rate quotes for loan amounts over the maximum loan amounts listed.

3 Please call for rate quotes and maximum income limit per county.

*$500 Refundable Rate lock applies

BANK FEES
Application
Appraisal
Appraisal Management Co. Review
$200
$325 to $800
$100
Flood Certification and Life of Loan
Document Preparation
Attorney Review
$20
$100
$200
Credit Report - Joint
Credit Report - Individual
Tax Service
$26
$13
$96
For more information call Customer Relations at (908) 234-0700.

[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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PGB Mortgage
PO Box 700
Bedminster, NJ 07921
Phone: (908) 234-0700

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