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Jaqueline Gibbs

Jacqui Gibbs

1st Vice President, Fair Lending & Outreach Officer
Jacqui Gibbs is a 1st Vice President, Fair Lending & Outreach Officer at Kearny Bank with primary focus on increasing lending and homeownership in low and moderate income areas and underserved communities. It is not only her professional goal but also her personal passion. Born, raised and educated in Newark, NJ Jacqui loves to see others like her own a home. One of the biggest challenges confronting the mortgage industry is affordable homeownership.  Her first order of business when joining Kearny Bank was to help develop and introduce a First Time Home Buyer product that would help increase homeownership in many of the above mentioned communities. Jacqui is passionate about her work and spend a lot of time establishing and fostering relationships with clients in underserved areas while also creating inroads to realtors, realtor organizations, nonprofits and community groups. Her goal is to increase Kearny Bank visibility while building trust.

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