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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Fixed Rate Loans
If you value stability and peace of mind, a fixed-rate mortgage may be the right fit for your needs. With consistent monthly principal and interest payments, you can plan confidently for the future. Whether you're buying your first home or your forever home, we're here to help you find a loan that supports your lifestyle and long-term goals.
Features
- Fixed interest rate
- Monthly principal and interest payments remain the same for the life of your loan
- Loan term options available: 30, 20, 15 and 10 year1
- No surprises even if inflation surges out of control
- Stability - You can manage your money with more certainty because your mortgage payment, excluding any escrow, will not change
See today's mortgage rates
Mortgage Rates
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Need some help with your homebuying journey? We have several educational resources where you can strengthen your knowledge about home loans.
Frequently Asked Questions
When does a fixed-rate mortgage make sense?
- If you are planning on owning your home for a long time (generally longer than 7 years).
- If you think interest rates could rise in the next few years and you want to keep the current rate.
- If you prefer the stability of a fixed principal and interest payment that doesn’t change.
What is the difference between a Fixed Rate and an Adjustable Rate Mortgage (ARM)?
With a fixed-rate mortgage, the monthly principal and interest payment remain constant for the life of the loan. Fixed-rate mortgages work well if you’re on a fixed income or plan to stay in your home for more than 5 years because they offer stable payments and long-term protection against rising mortgage interest rates.
After a predetermined fixed-rate period, an adjustable rate mortgage (ARM) adjusts annually in accordance with current market rates. It usually offers lower initial rates than a fixed-rate mortgage, but can increase after the fixed-rate period. ARMs are ideal if you don’t qualify at higher fixed interest rates, you can financially manage fluctuating payments, or you’re planning to sell within 5-10 years.
Disclosures
[1] A 5.0% down payment on a 30-year, fixed-rate loan of $380,000 with an interest rate of 6.250% / 6.511 % APR will have 360 monthly principal and interest payments of $2,339.73. Payments shown do not include taxes, homeowners’ insurance, or mortgage insurance (if applicable). Actual payments will be higher. This is assuming a New Jersey purchase transaction, 65-day lock, 95.00 % LTV, 740 FICO, detached single family, owner-occupied, closest to zero discount points, rates change daily.
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111 Wood Avenue South
Suite 200
Iselin, NJ 08830Mailing Address
P.O. Box 1001
Iselin, NJ 08830-1001
