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Home Loan Rates

Fixed Rate Mortgage

Explore our most popular mortgage option: a fixed-rate mortgage from Kearny Bank. Enjoy peace of mind with a steady interest rate (and payment) for the entirety of your loan. The total interest paid on your fixed-rate mortgage depends on the loan's duration.

15 Year Fixed Rate

Interest Rate APR Points Paid Months Monthly Payment per $1,000 Additional Information
5.875% 6.062% 0 180 $8.37 APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
Quoted rates for owner-occupied single family primary residences and include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Other terms and conditions may apply. Annual Percentage Rate (APR) listed are as of 07/14/2025.

20 Year Fixed Rate

Interest Rate APR Points Paid Months Monthly Payment per $1,000 Additional Information
6.375% 6.532% 0 240 $7.38 APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
Quoted rates for owner-occupied single family primary residences and include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Other terms and conditions may apply. Annual Percentage Rate (APR) listed are as of 07/14/2025.

30 Year Fixed Rate

Interest Rate APR Points Paid Months Monthly Payment per $1,000 Additional Information
6.625% 6.747% 0 360 $6.40 APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
Quoted rates for owner-occupied single family primary residences and include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Other terms and conditions may apply. Annual Percentage Rate (APR) listed are as of 07/14/2025.

Adjustable Rate Mortgage

Kearny Bank offers adjustable rate mortgages with 5-, 7-, and 10-year adjustable rate periods that often offer lower rates than standard fixed-rate loans. Choosing an ARM allows you to enjoy a lower mortgage payment and interest rate. However, remember that it comes with the risk of increased rates in the future, which can lead to higher mortgage payments down the road. Plan carefully and consider all your options before making a decision.

5/6/30 Adjustable Rate

Interest Rate APR Points Paid Months Monthly Payment per $1,000 Additional Information
5.990% 6.741% 0 360 $5.99 (first 60 monthly payments) 2.75% Margin - 2/1/5 Caps, 1-4 Family Owner Occupied, 90% Max LTV, PMI Required with less than 20% down. 60 payments of $5,390.17, 299 @ $5,985.41, 1 final payment of $5,984.23. Example based on $900,000 loan amount at an interest rate of 5.99% for the initial 60-month period, and a rate of 7.125% after the initial period. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
The Annual Percentage Rate (APR) is variable and may increase after consummation. For loan amounts greater than $806,500 up to $1,500,000. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Annual Percentage Rate (APR) listed are as of 07/14/2025.

7/6/30 Adjustable Rate

Interest Rate APR Points Paid Months Monthly Payment per $1,000 Additional Information
6.125% 6.677% 0 360 $6.08 (first 84 monthly payments) 2.75% Margin – 5/1/5 Caps, 1-4 Family Owner Occupied, 90% Max LTV, PMI Required with less than 20% down.  84 payments of $5,468.49, 275 @ $5,964.86, 1 final payment of $5,961.99.  Example based on $900,000 loan amount at an interest rate of 6.125% for the initial 84-month period, and a rate of 7.125% after the initial period.  Payments do not include amounts for taxes and insurance, if applicable.  Actual payment obligation will be greater.
The Annual Percentage Rate (APR) is variable and may increase after consummation. For loan amounts greater than $806,500 up to $1,500,000. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Annual Percentage Rate (APR) listed are as of 07/14/2025.

Home Equity Lines of Credit

15 Year Revolving Credit Line (variable)

Interest Rate APR Months Additional Information
5.990% 5.990% 180 $5,000 Min, $500,000 Max, 80% LTV, 1-4 Family Owner Occupied, Introductory rate of 5.990% for first six months then Prime Rate + 0.000%, maximum rate is 18.000% (ceiling rate), minimum rate is 4.950% (floor/start rate). NO CLOSING FEES. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Homeowners insurance is required; flood insurance is required where necessary. Subject to credit approval.
Current rates are for new HELOC clients only. Minimum amount for new HELOC is $5,000. Annual Percentage Rate (APR) listed are as of 06/17/2025. Rates are subject to change at any time without notice.

Truth In Lending Disclosure

  • Rates are subject to change at any time without notice. Points are costs paid in lowering a loan's rate of interest and/or to pay any loan origination costs. 1 point is equal to 1% of the loan amount.
  • A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments. Monthly principal and interest payments do not include Real Estate Taxes, Homeowners/Flood Insurance or Private Mortgage Insurance (PMI) for down payments that are less than 20% of the purchase price.
  • APR represents the "Annual Percentage Rate".
  • An Adjustable Rate Mortgage (ARM) is a mortgage that starts at a rate of interest that is usually lower than a Fixed Rate Mortgage. This loan will re-price after an introductory period to a rate that takes into account a preselected index. The most commonly used index is the weekly average yield on United States Treasury Securities adjusted to a constant maturity of one (1) year, as reported by The Federal Reserve Board. To this index, the borrower's pre-determined margin is added, then rounded to the nearest 1/8th of a percent, to arrive at the new mortgage loan interest rate for the next rate period based upon the terms of your promissory note. This is the most common type of adjustable rate mortgage offered. Monthly principal and interest payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
  • Payment shown is cost per $1,000 borrowed.

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