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Residential Mortgages for Maywood, Fair Lawn, and Rochelle Park Residents

Need help navigating the mortgage process? Community Bank of Bergen County, NJ may be able to help. From the First-Time Home Buyers Program to fixed- and adjustable-rate mortgages, our experienced, caring staff will give you the personalized service and support you need when looking to buy or refinance a home. Call us today at 201-587-1333  and ask to speak with a mortgage specialist, or apply now using our Online Mortgage Center. Learn more about each type of loan we service below.

Fixed-Rate Mortgage

Whether you’re purchasing your first home or refinancing an existing mortgage, a fixed-rate mortgage is a popular choice, since your interest rate, monthly principal and interest payments will stay the same over the course of the loan. In other words, your interest rate will remain unchanged, even as the market fluctuates, making budgeting your finances that much easier.

At Community Bank of Bergen County, we offer a line of Fixed-Rate Mortgages, which are available in various loan terms with competitive rates. You’ll enjoy:

  • 15-, 20-, 25-, or 30-year loan terms
  • Fixed P&I payments throughout the life of the loan term
  • No points
  • Quick decisions made locally


Adjustable Rate Mortgages

If you’re looking for lower monthly payments or planning on selling or refinancing your home within a few years of its purchase, an adjustable-rate mortgage (ARM) may be right for you. Throughout the life of your ARM loan, interest rates may fluctuate, but they’ll never increase more than two percentage points at each adjustment period or adjust more than six percentage points over the lifetime of the loan. You’ll enjoy:

  • 5-, 7-, and 10-year loan terms with a 30 year payout.
  • Lower, fixed rates during the initial rate period.
  • Rates adjusted annually.



Residential Construction

Get the financing you need for residential projects with our construction loan program. Perfect for individuals, developers and contractors alike, this program offers the following: 

  • Multiple disbursements
  • Simple access to funds
  • Add a level financing
  • Land acquisition financing
  • Speculative programs
  • Construction to permanent financing options


First-Time Home Buyers Program

Are you a first-time home buyer? With special mortgage rates for new homeowners, Community Bank of Bergen County offers the following:

  • 5% down payment on owner occupied 1-4 family homes or condos with PMI (private mortage insurance).
  • Fixed rate for 30 years with no points or application fee.
  • All applicants must be first time homebuyers.


For help deciding which mortgage is right for your unique situation, contact one of our mortgage loan representatives today. You can also fill out a mortgage request form online.