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Karla Pichardo - Kearny Bank

Karla Pichardo

VP / Corporate Banking Relationship Officer
551-261-4692
Karla is Vice President and Corporate Banking Relationship Officer, bringing 19 years of experience in banking ranging from retail store operations to relationship management, as well as merchant solutions expertise and strategic problem‑solving for corporate clients. Throughout her career, she has progressed through roles of increasing responsibility, developing a strong foundation while partnering closely with leadership teams on complex financial needs.

She takes great pride and focuses on building trust, responsiveness, and consistency with her clients. Her focus is in serving as a trusted advisor rather than a transactional banker to ensure her clients' needs are met in every way possible. Working closely with internal partners, she ensures solutions are executed thoughtfully to meet our client's needs. Through here career she has supported clients across a broad range of industries.

Committed to continuous learning, Karla stays current on market conditions, economic trends, and industry developments. She believes successful banking is built on trust, follow‑through, and a genuine commitment to client success.

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