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Adjustable Rate Mortgage (ARM) interest rates, unlike fixed rates, can increase or decrease over the term of the loan. In general, the initial interest rates and monthly payments are below those of fixed rate offerings.
Check Our Rates!
- Can help to qualify you for the purchase of a more expensive home
- Can save you money over the standard 30 or 40 year fixed
rate mortgage
- Tied to an economic indicator beyond the lender's control
- Rates at time of adjustment set in accordance with the movements of that indicator
- Annual interest rate caps as well as a maximum lifetime cap
(caps limit the amount of increase or decrease during each adjustment period and over the life of the loan)
- Interest only payments for either the first 5, 7 or 10 years
of the mortgage
- Allows lower initial monthly payments and increased affordability
- Please call for further details
Do you know how much you can afford? Our mortgage
calculator is designed to give you an estimate of the mortgage
loan amount that fits your budget.
- All interest rates are subject to change without notice.
- Please note that all rates listed below are based on Full Documentation loans only.
- Property must be located within the state of New Jersey.
- Other 30 and 40 Year ARM Programs with lower rates
and higher fees are available upon request.
- See Lending Policy (disclosed in Mortgage Application) for further details. |
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Please note on loans shown above with 0.00% fees,
a 1% fee is actually due at time of commitment acceptance
which will be refunded when and if the loan closes. Should the loan not close, the fee will not be
refunded.
Loans Over $1,000,000
Loans from $1,000,100 to $1,500,000 – Add 0.125% to applicable base rate
Loans from $1,500,100 to $3,000,000 – Add 0.250% to interest rate |
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Interest rates are locked in at time of receipt of an application and will hold through the processing of the loan application plus an additional 90 day commitment period. All interest rates quoted are based on a 90 day commitment.
Additional extended rate lock pricing is offered as follows: (Fees listed below are non-refundable commitment fees):
- Additional 30 Day Lock – Add .250% to Commitment Fee
- 180 Day Commitment – Add .500% to Commitment Fee
- 270 Day Commitment – Add .750% to Commitment Fee
- 360 Day Commitment – Add 1.00% to Commitment Fee
If you are interested in a Hudson City mortgage, or have questions about the best mortgage to meet your needs, feel free to contact us by either e-mail, phone or visit one of our branches or mortgage centers. You can also download a mortgage application by clicking the link below:
PHONE US
Ask for a Mortgage Origination Representative who will assist you in determining which Mortgage Product best fits your needs.
- New Jersey Properties Contact Information
- New York Properties Contact Information
- Long Island
(631) 727-9630
- Staten Island
(718) 720-5767
- Columbia, Dutchess, Putnam, Rockland, and Westchester
1-800-222-0194 Ext. 1229, 1247, 1255
- Other New York Properties
1-800-222-0194 Ext. 1229, 1247, 1255
- Connecticut Properties Contact Information
VISIT US
At any of our Branch Locations or Mortgage Processing Centers.
E-MAIL US
Contact us using our secure email form.
WANT AN APPLICATION?
If you decided to apply or just want to get a head start, print and complete our Mortgage Application Package.
Completed applications may be hand-delivered or mailed to one of our Branch Locations or Mortgage Centers.
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