skip to main content
Popup Close

Attention Clients

Our Pleasantdale / West Orange branch is temporarily closed. View a full listing of our branches here.

Close

X

Attention Digital Banking Clients

Scammers are contacting clients looking for banking information, including online banking credentials. Kearny Bank will never call or text asking for your online banking credentials. If you receive a similar call do not respond or share any information. If information is inadvertently released, please contact Kearny Bank at 800-273-3406.

PERSONAL & BUSINESS BANKING

Enroll Now Learn More Help Center

Mortgages

Unlock the door to your dream home: how to make it affordable

Unlock the door to your dream home: how to make it affordable

At Kearny Bank, our mortgage advisors provide competitive rates on both fixed and adjustable- rate mortgages (ARMs) while streamlining your application process. They are here to provide the guidance and advice to make your home purchase go as smoothly as possible.

To see what your new mortgage monthly rate could be, try our helpful mortgage calculator

The employees of Kearny Bank always went above and beyond to aid us in the mortgage process for our first home! Our mortgage representative truly cared about us as people and worked so diligently and thoroughly to get us where we are today. We have our home today because of the staff at Kearny Bank.

Cristina B.

First Time Home Buyer Loan Program

If it's your first time buying real estate and you're eyeing 1-2 units as your primary residence, you may qualify for added cost-savings, provided that the property is located in specific counties/municipalities. Our First Time Home Buyer Loan Program offers savings and other significant benefits. 

  • Discounted Rate
  • Down Payment options as low as 5%
  • Minimum Credit Score Eligibility of 660
  • Lender Paid Mortgage Insurance


*Must be primary residence located in specific counties/municipalities. Other requirements may apply.

Renovation Loan

Renovation loans from Kearny Bank let you borrow more, based on the value of your home post-renovation. Unlike traditional home equity loans, they grant access to future equity and come with better rates. Learn more about Kearny Bank’s renovation loans.

  • Attractive rates
  • Fast and quick alternative to traditional constructions loans
  • Effective way to make home renovations
  • Loan amount based on completed appraised value

Fixed Rate Mortgages

Explore our most popular mortgage option: a fixed-rate mortgage from Kearny Bank. Enjoy peace of mind with a steady interest rate (and payment) for the entirety of your loan. The total interest paid on your fixed-rate mortgage depends on the loan's duration.

Fixed Rate Mortgage

Please call 800-273-3406 for rates on properties outside NJ.

Account Interest Rate APR

Points Paid

Months Monthly Payment per $1,000 Additional Information
15 Year Fixed Rate 6.250% 6.441% 0 180 $8.57 APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Maximum debt to income (DTI) 40%. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
20 Year Fixed Rate 6.625% 6.784% 0 240 $7.53 APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Maximum debt to income (DTI) 40%. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
30 Year Fixed Rate 6.625% 6.746% 0 360 $6.40 APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Maximum debt to income (DTI) 40%. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.

Note: Quoted rates for owner-occupied single family primary residences and include a 60 day rate lock. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Other terms and conditions may apply. Annual Percentage Rate (APR) listed are as of 03/15/2024. See Truth in Lending Disclosure below for additional information.

Adjustable Rate Mortgages (ARMs)

Kearny Bank offers adjustable rate mortgages with 5-, 7-, and 10-year adjustable rate periods that often offer lower rates than standard fixed-rate loans. Choosing an ARM allows you to enjoy a lower mortgage payment and interest rate. However, remember that it comes with the risk of increased rates in the future, which can lead to higher mortgage payments down the road. Plan carefully and consider all your options before making a decision.

Adjustable Rate Mortgage

Please call 800-273-3406 for rates on properties outside NJ.

Account Interest Rate APR Points Paid Months Monthly Payment per $1,000 Additional Information
5/6/30 Adjustable Rate 7.125% 7.838% 0 360 $6.74 (first 60 monthly payments) 2.75% Margin – 2/1/5 Caps, $647,000 Max., 1-4 Family Owner-Occupied, 95% Max LTV, PMI Required with less than 20% down. 60 payments of $2,021.16, 299 @ $2.205.92, 1 final payment of $2,205.40. Example based on $300,000 loan amount at an interest rate of 6.875% for the initial 60-month period, and a rate of 8.125% after the initial period. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
7/6/30 Adjustable Rate 7.125% 7.718% 0 360 $6.74 (first 84 monthly payments 2.75% Margin – 5/1/5 Caps, $647,000 Max., 1-4 Family Owner-Occupied, 95% Max LTV, PMI Required with less than 20% down. 84 payments of $2,021.16, 275 @ $2,196.02, 1 final payment of $2,198.21. Example based on $300,000 loan amount at an interest rate of 6.750% for the initial 84-month period, and a rate of 8.125% after the initial period. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater..

Note: The Annual Percentage Rate (APR) is variable and may increase after consummation. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Annual Percentage Rate (APR) listed are as of 03/15/2024. See Truth in Lending Disclosure below for additional information.

Meet Our Mortgage Advisors

Find a Kearny Bank Mortgage Advisor to help guide you through your home buying or refinancing experience.

Want Us to Contact You?

Name
Email
Phone Number
Loan Amount
Purchase Price
City
State
Property Description

Sending personal information through the form is not encrypted or secure and may be intercepted and read by someone other than the intended recipient. Requests for funds transfers must be made through our Online Banking. Funds transfer requests made through standard E-mail will not be processed.

The captcha is required

Truth In Lending Disclosure

  • Rates are subject to change at any time without notice. Points are costs paid in lowering a loan's rate of interest and/or to pay any loan origination costs. 1 point is equal to 1% of the loan amount.
  • A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments. Monthly principal and interest payments do not include Real Estate Taxes, Homeowners/Flood Insurance or Private Mortgage Insurance (PMI) for down payments that are less than 20% of the purchase price.
  • APR represents the "Annual Percentage Rate".
  • An Adjustable Rate Mortgage (ARM) is a mortgage that starts at a rate of interest that is usually lower than a Fixed Rate Mortgage. This loan will re-price after an introductory period to a rate that takes into account a preselected index. The most commonly used index is the weekly average yield on United States Treasury Securities adjusted to a constant maturity of one (1) year, as reported by The Federal Reserve Board. To this index, the borrower's pre-determined margin is added, then rounded to the nearest 1/8th of a percent, to arrive at the new mortgage loan interest rate for the next rate period based upon the terms of your promissory note. This is the most common type of adjustable rate mortgage offered. Monthly principal and interest payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
  • Payment shown is cost per $1,000 borrowed.
X

Leaving Website Disclosure

This link will redirect you to a site that may have certain associated risks, including not being insured by federal deposit insurance.

To remain at our site, click BACK. To leave our site for the link you selected, click OK.

Thank you for visiting Kearny Bank's website.