skip to main content
Popup Close

Attention Springfield Clients:


Our Springfield branch located at 130 Mountain Avenue, is now open with full lobby access and drive-up access. 



Enroll Now Learn More Forgot Password


Build Your Home
with Kearny Bank!


David DeCarlo

Mortgage Advisor

NMLS #523000

Get Started

About David

For the past 30 years my professional focus has been assisting clients in obtaining the mortgage financing that best fits their needs. I am well versed in the industry having started my career as a real estate broker. My duties included the sale, leasing and appraising residential housing.

Today, my specific area of expertise centers on financing for the purchase or refinance of 1-4 family dwellings. I am equally comfortable with loans for primary or investment property use. I seek to build a strong personal relationship with each client. Understanding your goals and capabilities helps me provide the finest in mortgage financing.

One of the major advantages of dealing with Kearny Bank is that we are more than a portfolio lender. We can offer selective financing that assures our clients the best rates and a variety of lending options.

At Kearny Bank, we have the strength of a Bank and the flexibility of a small local lender. It’s a combination that’s hard to beat.


Fixed-Rate Mortgage

A fixed rate mortgage is the most popular type of loan program that Kearny Bank offers. With a fixed rate product, you get the security of a consistent interest rate (and payment) over the entire life of your loan. The overall interest you will pay on a fixed rate mortgage will depend on the overall term of the loan. See our great mortgage rates here.

Adjustable Rate Mortgage (ARM)

Kearny Bank offers 1, 3, 5, 7, and 10 year adjustable rate mortgage programs (also known as an ARM program). An adjustable rate mortgage is a type of loan product that offers an interest rate that is lower than your standard fixed rate loan. The difference here is that the interest rate can change over time. Higher interest rates in the future could potentially lead to a higher mortgage payment for you down the road. In essence, you’re receiving a lower interest rate now (and paying a lower rate now) in exchange for the risk of a possible rate increase in the future.

Financial Calculators

Our financial calculators are designed to be a tool to help you determine your potential monthly payments on one of our mortgage loans or home equity loan or line of credit prior to you visiting one of our branches to talk with a specialist.

Financial Calculators

Want Us to Contact You?

Phone Number
Loan Type
Loan Amount
Purchase Price
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


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.