Gary Brozowski
Gary Brozowski is focused on leading Kearny Bank’s commercial real estate lending activities throughout our home state of New Jersey, as well as in New York and Pennsylvania. In essence, this entails management and oversight of transactions on multifamily, mixed use, and industrial projects across our market area. Gary has held various senior management positions related to real estate finance during his career, and immediately prior to joining Kearny Bank was Vice President of Northeast Originations for Alliant Capital. He holds a masters in Real Estate Investment and Development from New York University, and a bachelor’s from Rowan University. A member both of the National Association of Home Builders and the Mortgage Bankers Association, he currently resides in Wayne, NJ.
Contact Gary:
973-244-8834 EXT 78834
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.