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PERSONAL & BUSINESS BANKING

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Finance Your Home
with Kearny Bank!

advisor

Grishma D. Patel

Senior Mortgage Advisor

NMLS #283266

mobile

732-429-5200

mail

[email protected]

Get Started: Mortgages Get Started: Home Equity Loans/HELOCs

About Grishma

Buying a home or refinancing? I’d be delighted to help. Hi, I'm Grishma and I have 23 years of professional experience handling all types of residential loans, and in that time, I’ve closed more than 5,000 mortgages and earned many Circle of Excellence Awards! I’m particularly passionate about assisting First Time Home Buyers, Moderate Income and New Construction loans. As a Certified Mortgage Planning Specialist and Certified Residential Underwriter who also holds an MBA, I have the expertise to answer any question and respond to any challenge, and most importantly, providing great client service is a high priority for me. I’m based in Monroe Township, in the heart of central New Jersey, and I’m eager to hear from you. Call me today!

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

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

Investments: Are not FDIC/NCUSIF insured • May lose value • Are not financial institution guaranteed • Are not a deposit • Are not insured by any federal government agency.

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