Dawn Marcano serves Kearny Bank as Vice President, Private Client Manager. She is tasked with growing the Private Client Division. Private Client is a “bank within a bank” offering unmatched personal attention and customized solutions for High-Net-Worth individuals.
Dawn began her career at Kearny Bank as a teller in 1991. Her talent and dedication were recognized and rewarded with her promotion to Manager of the Wood Ridge office, the Bank’s largest deposit branch. Dawn was sales-oriented and highly successful in growing core deposits. She proved particularly adept at dealing directly with the many High-Net-Worth individuals who utilized the branch. That success made her a natural choice to lead our Private Client effort.
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.