Effective: 09/22/2025 · Rates subject to change without notice. · Available to New Jersey Residents Only
For more information call (201) 659-3600, ext. 320 to speak to a residential loan representative or email us at: mortgage@havenbk.com.
Fixed Rate Mortgage Loans
| Product | Interest Rate | APR* | Points | Payment per $1,000** |
|---|---|---|---|---|
| 10 Years | 6.250% | 6.442% | 0 | $11.23 |
| 15 Years | 6.250% | 6.386% | 0 | $8.57 |
| 20 Years | 6.500% | 6.611% | 0 | $7.46 |
| 30 Years | 6.750% | 6.836% | 0 | $6.49 |
*Annual Percentage Rate
APR calculations are based on an owner-occupied loan amount of $100,000 and include 15 days prepaid interest, Origination Fee, Flood Certification Fee, Settlement Fee, Wire & Courier Fees.
** The payment amount does not include taxes and insurance. Your monthly payment obligation will be greater.
All interest rates are subject to change without notice.
Adjustable Rate Mortgages
We offer adjustable rate mortgages at competitive rates and terms.
| Product | Interest Rate | APR* | Points | Payment per $1,000** |
|---|---|---|---|---|
| 5/1 ARM: | 5.875% | 6.258% | 0 | $5.92 |
| 60 payments at | 5.875% | $5.92 | ||
| 299 payments at | 6.375% | $6.20 | ||
| 1 payment at | 6.375% | $6.22 | ||
| 7/1 ARM: | 6.250% | 6.393% | 0 | $6.16 |
| 84 payments at | 6.250% | $6.16 | ||
| 275 payments at | 6.375% | $6.23 | ||
| 1 payment at | 6.375% | $6.25 | ||
| 10/1 ARM: | 7.000% | 6.883% | 0 | $6.65 |
| 120 payments at | 7.000% | $6.65 | ||
| 239 payments at | 6.375% | $6.34 | ||
| 1 payment at | 6.375% | $6.32 |
*Annual Percentage Rate
APR calculations are based on an owner-occupied loan amount of $100,000 and include 15 days prepaid interest, Origination Fee, Flood Certification Fee, Settlement Fee, Wire & Courier Fees.
** The payment amount does not include taxes and insurance. Your monthly payment obligation will be greater.
All interest rates are subject to change without notice.
Home Equity Line Plan (H.E.L.P.)
| Product | Interest Rate | APR* |
|---|---|---|
| 20 Years | 7.250% | 7.250% |
Starting Rate of 7.250% is fixed for the first 6 months. Thereafter, the rate is variable, and may change monthly, based on the Prime Rate. Minimum rate (floor) is 4.75%; Maximum rate (ceiling) is 16.50%. $1,000 minimum draw. If only minimum payments are made, a balloon payment will result at maturity.
*Annual Percentage Rate
All interest rates are subject to change without notice.
Borrower(s) must have adequate homeowner’s insurance and flood insurance (if applicable) in place at the time the line is opened.
Fixed Rate Home Equity Loans
We offer fixed rate home equity loans at various rates and terms. For a 1st lien fixed home equity loan, Haven Savings Bank will escrow for property taxes and flood insurance (if applicable).
| Product | Interest Rate | APR* | Points | Payment per $1,000 |
|---|---|---|---|---|
| 5 Year Fixed | 6.50% | 6.594% | 0 | $19.57 |
| 10 Year Fixed | 6.75% | 6.801% | 0 | $11.48 |
| 15 Year Fixed | 7.00% | 7.036% | 0 | $8.99 |
*Annual Percentage Rate
APR Calculations are based on an owner-occupied loan amount of $100,000 and include Origination Fee, Credit Report Fee, Title Search Fee, and Tax Transcripts.
All interest rates are subject to change without notice.
Borrower(s) must have adequate homeowner’s insurance and flood insurance (if applicable) in place at the time the loan is opened.
Please inquire about other terms available.
