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Finance Your Home
with Kearny Bank!


Kathy Skutka

Senior Mortgage Advisor

NMLS #229883

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About Kathy

I’ve been actively involved in various aspects of originating and closing home loans for more than 30 years, so my clients can be confident they’ll enjoy an entirely smooth, efficient process. No matter the challenges that may arise, I have the experience and professional expertise to find the necessary solutions. In terms of background, I’ve completed multiple National Mortgage Institute certification programs, as well as various MBA-level courses and seminars on compliance. I conduct business throughout New Jersey, New York, Connecticut, and Pennsylvania. Whether you are a first time home buyer, trading up, downsizing, or even seeking an investment property, I’m here to help you – seven days a week. I look forward to hearing from you.

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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