Residential Mortgages

Buying a house can be an exciting time, but it can sometimes be overwhelming. Let our professional staff help you through the mortgage process. At Community Bank of Bergen County you'll find the personalized service and attention that you can't always get at larger banks. Beyond our competitive rates, we will work with you every step of the way-giving you greater peace of mind.

Click Here to have a mortgage specialist contact you.

If you are interested in applying online for one of our great mortgage products or want to receive rate alerts try using our Online Mortgage Center. It's as easy as 1-2-3! 

Fixed Rate Mortgages

Choosing a fixed rate mortgage is most popular when purchasing or refinancing your home. Your interest rate and monthly principal and interest payments will remain the same for the lifetime of your loan protecting you from rising interest rates. The advantage of a set payment each month makes budgeting your finances easier.  

Community Bank has a new line of fixed mortgages to offer to their customers.  Introducing the Prestige Fixed Rate Mortgages! These mortgages are available in 15, 20 or 30 year loan terms with competitive rates, no points and are fixed for the life of the loan. 

Prestige Fixed Rate Mortgages (New)

• Fixed P & I payments throughout the life of loan term
• No Points
• Competitive Rates
• Various Terms Available
• Quick decisions made locally
• Experienced MLO’s to guide you

Adjustable Rate Mortgages

Community Bank's adjustable rate mortgages are a great alternative to our fixed rate mortgage line. The adjustable rate mortgages usually offer a lower interest rate than our fixed rate mortgages but thats just the beginning. Community Bank's adjustable rate mortgages work a little different than those "Big Bank" standard adjustable rate mortgages. Most adjustable rate mortgages are only fixed for the first "Initial rate period" and then adjust every year after. At Community Bank our adjustable rate mortgages are setup to adjust every 5 or 10 years depending on which type you choose. If you choose a 10yr adjustable mortgage then your mortgage will adjust at year 10 then again at year 20. This allows for greater payment visibility and locks in the adjustment rate for a longer period of time.   

Adjustable Rate Mortgages

• Choice between 5 or 10 year 
• Interest rate locked for 5 or 10 year intervals
• Traditionally lower rates
• Payment visibility

Residential Construction 

We are known throughout the area for providing construction financing without the hassles.  With fast decisions and easy disbursements, our construction loan program continues to be the choice for individuals, developers and contractors.

• Multiple disbursements available
• Easier access to funds
• Add-A Level Financing
• Land Acquisition Financing
• Speculative programs available 
• Construction to Permanent Financing Option

Other Loan Programs

First Time Home Buyers Program

• 10% Down Payment / 15% Down Payment on Condos and Townhouses (Does Not Apply to Prestige Mortgages) 
• No Points (Bergen and Passaic Counties Only)
• No PMI

SEE OUR CURRENT MORTGAGE RATES NOW!