Tony Jao

Contact Information

Office Number: 718.330.3845
Mobile Number: 718.312.2513
Fax Number: 732.559.7161

Professional Information

NMLS Number: 7536
Google Reviews
“Our Loan Officer was Tony Jao, he is very professional and from the beginning to the end of the closing for the Mortgage, he was there helping answering questions, informing us of any update. Tony made the all process very easy and less stressful.
You will be in good hands if you select him or are lucky to get him as your Loan Officer, he goes one step more to help and provide ways to make things more smoother. Thanks Tony!”
-Dina Davis, 5 Stars

 
Zillow Reviews
“If you need a mortgage lender, reach out to Tony first! Fast, thorough, and efficient. Great rates and mortgage products. I really shopped around for a lender on a personal deal and Tony & Investors Bank were the best by far. Thanks!”
-Philip Yellen, 5 Stars

 
“I made a loan application to Investors Bank with Tony as my loan officer. The mortgage was for a COOP in New York's Upper West Side neighborhood. As anyone familiar with COOP buying process knows, it's an intense process. My application had another layer complexity as I already had an investment property in California. With all the intricacies that brings to the able and also the fact, I was a new resident of Manhattan. Tony was a pleasure to deal throughout the process. Besides him, he also has a staff of professional assistants. He was also very clear in explaining me the expectations of the Under-Writers. My approval was straightforward without any major unexpected events. I would strongly recommend him to anyone looking to buy a place, especially, Manhattan.”
-Vijay, 5 Stars

 
“Tony is extremely knowledgeable of the entire mortgage process. He kept things moving along, and was always quick to reply. It was a pleasure to work with Tony. Thank you!”
-Michelle Condren, 5 Stars

 
 
“I really appreciated working with Tony. I'm sure the things I was asking were routine and basic for someone with his expertise, but he patiently answered all my questions and made me feel very comfortable with this process of obtaining a mortgage. Together with his team, I felt prepared, as they always made sure to forecast and preview for me what's to come and answer questions I didn't even know to ask. Many thanks for seeing me through!”
-Katherine, 5 Stars

 
“Tony was professional and responsive from the very first email about getting pre-qualified, all the way through to my closing. On his advice, and contrary to what the other brokers were saying, we didn't lock in a rate. He was well-informed about the market and we waited until a dip set me up for a great rate, which we finally locked in. He came highly recommended, and my closing attorney got his info based on my own recommendation and rate. I wouldn't hesitate to contact him about a loan.”
-Bruce, 5 Stars

 
“Tony was excellent to work with and got our mortgage done with incredible professionalism. His knowledge and years in the business were evident and he was unbelievably efficient. He responded quickly to every correspondence and worked really well with everyone that was part of the process. He came highly recommended by 2 friends and an agent and I can see why. I recommend him without reservation!”
-G. Lee, 5 Stars

 
“After shopping around for a mortgage, I found that Investors Home Mortgage offered the best rate. Tony Jao was amazing to work with. He'd respond to my emails with all my questions and concerns within 15 minutes, and as a first time home buyer, I had a lot. Always having access to him was a huge plus. My closing cost ended up being a lot less that I had anticipated and that was a pleasant surprise. Tony and his team made this stressful process as smooth as can be. I will definitely refer my friends and family to Tony in the future. Thank you, Tony!!! :-)”
-zuser2017, 5 Stars

 
“I highly recommend Tony for your home purchase. He is super knowledgeable, highly professional, and very responsive to questions. As first time home buyers, we knew little of the mortgage process and Tony explained every step, with patience. He always responded quickly to emails, calls or texts. He guided us through locking a rate, wisely advising waiting for a lower rate as he carefully watched (and corrreclty predicted) market trends that got us the lowest rate of any lender. To us, he was kinda magical! We highly recommend Tony and his team for their thoroughness and organization. We closed on time, with very few bumps on the road. We especially appreciated his knowledge of the specifics of buying a coop and of obtaining a mortgage as two self-employed people. We 100% recommend Tony.”
-zuser2015, 5 Stars

 
“As a brand new home buyer, I knew absolutely nothing about the home financing process. That said, my sister purchased her first condo in May 2018, she sang Tony’s praises so I called him as soon as I got serious about buying. Tony was super thorough/prompt, great at answering my questions and a pleasure to work with. Additionally, I am happy to report with Tony’s help, I got my mortgage and closed on my dream apartment in December 2018! Work with Tony; you will be very happy...”
-Susan Kurien, 5 Stars

 
“Tony and his team were fantastic! I was buying a coop in Harlem and Tony did everything other lenders didn't: gave me a rate lower than the market's, locked it when rates were going up, expedited the process to approve the building, gave me a huge grant towards closing costs, and worked with his attorney to get all parties to agree on a closing date before Thanksgiving as promised. Cannot be more thankful to him and his team for going above and beyond to make things happen in a timely manner AND for giving me a great rate with 0 closing costs. If you are buying property and need financing, Tony will be the best person to help you!”
-Milena, 5 Stars


“Tony was great throughout my entire loan process from approval through after closing. I'm a first-time home buyer and he was always helpful and patient with me going through this process. His immense amount of knowledge about the market is clear, and he is very good at explaining the most complicated and esoteric aspects of the mortgage process. He was always quick to reply via email and available for a phone call to go over something in more detail, even with seemingly simple questions. His support staff was equally helpful and easy to work with along the way. I was working on a tight timeline as well and Tony and his team kept things moving. I never had to bug them for stuff, they were on top of it and always preparing for the next step in the process. We closed on time thanks to Tony and his team, even with some other outside issues slowing parts of the process down. I highly recommend Tony!”
-Kristofer W, 5 Stars
 

“Tony was great to work with. He was very friendly, and helped me step-by-step through the very complicated process of buying an apartment. He always made time to talk. He was very knowledgable.”
-Samantha, 5 Stars
 
“Tony is knowledgable, smart, diligent and helpful. We had the pleasure of working with Tony and I would highly recommend Tony to friends and family..”
-zuser351, 5 Stars

 
“This is the second time I have worked with Tony, he truly is the best. Professional, patient and will always go the distance to secure the best rate, and to make sure you have the best experience possible with Investors Bank. If you are self employed, look no further than Tony, he understands each person's unique financial situation.”
-John T, 5 Stars

 
“I received extraordinary service and could not be happier. Tony is very responsive and gets in touch with you immediately when necessary. He works well with others and is able to quickly move the process along. I received my mortgage quickly and closed in less than one month of signing.”
-Douglas Mendella, 5 Stars

 
“Working with Tony to purchase my first apartment was a fantastic experience. He was knowledgeable, attentive, and made the process as effortless as possible. He was easy to talk to and seemed to always be available when I had questions. His team was equally fantastic and responsive. I cannot imagine a better first-time home buying experience. I would highly recommend him to friends, family, and anyone else looking to buy a home.”
-First Time Buyer, 5 Stars

 
“Tony Jao was my lender for a home I just bought in Brooklyn. I was a first time buyer and so I had a lot of questions throughout the process. Tony patiently answered every question thoroughly and responded to emails outside of business hours. He also helped me enroll in a federal mortgage program that saved me money. The whole process went smoothly and I felt the whole time that I was in good hands.”
-Margaret Metzger, 5 Stars

 
“Tony was incredibly helpful from the start of the loan process to the closing. He helped secure a lower rate than we expected and we chose to go with Investors Bank for our mortgage as a result of the help he provided us. His assistant, Sharon, was always on top of things in terms of getting us to prepare the necessary documents ahead of time, which was incredibly helpful at the closing. Tony and his team were very professional and easy to reach throughout the entire two month period it took us to close. I would definitely give Tony and Investors Bank a strong recommendation for any potential home buyers.”
-Mohamed, 5 Stars

 
“When you are a first time home buyer you get a lot of advice.
By far the best we received was to call Tony from Investors.
Tony is knowledgeable, patient and never made us feel like the dummies we were.
He's probably forgotten more about the mortgage process than those corporate drones at other banks have ever known. The service and attention was so personal and the communication so open that the great rate seemed like a bonus. Tony and his team were very accommodating through our extended closing and bent over backwards to get and maintain the best rate for our mortgage. Take some good advice and call Tony at Investors.“
-zuser2016, 5 Stars

 
“Tony has tirelessly worked with us for months and helped us get the lowest rate despite the immense effort required on his and his team's part. He's been extremely responsive, patiently answered all of our questions, and helped us out of more than one jam. Can't recommend him enough. Thanks again for everything, Tony!”
-Johnny Perkins, 5 Stars

 
“I fully recommend Tony to everyone, but particularly for the situations that have other lenders running for the hills. I had three banks turn me down (including one that I have worked with for years) on the purchase of my new home. Tony got it done, and everything was very smooth.”
-Douglas Bauer, 5 Stars

 
“I came to Tony a bit desperate because my and my co-purchaser's credit score had dropped and my lender decided to not re-approve my mortgage loan – I was already in contract at my dream property and I needed guidance and help! Tony explained that my previous lender wasn't a typical NYC COOP lender and was super conservative and that he was sure he would be able to help! Not only did he expedite the process, he went ABOVE AND BEYOND, explaining the process to me at every step of the way, as well as helping me navigate the procedures of my COOP and the closing process. He literally had an under 5 min response time and was available to me EVERY TIME I called him. Like he always picked up. Even on weekends. His responsiveness is HIGHLY impressive and this is coming from someone who prides herself on being responsive. I would ABSOLUTELY recommend Tony and his Investors Home Mortgage team, because he is the best and he made my dream possible! Thank you so so much Tony!!”
-Andrea Pagliai, 5 Stars

 
“Tony was on it from day one and I would definitely recommend him. He was available at all hours and gave us some really good advice about when to lock our rate.”
-zuser2015, 5 Stars

 
“Tony was great. This was our first home purchase and so we had many questions -- Tony was highly responsive to our questions throughout the loan application process and had great advice about market conditions and when to lock, etc. Most importantly, he got us a great rate. Absolutely would recommend him to anyone looking to finance a home purchase.”
-oconroy, 5 Stars

 
“Tony was an absolute joy to work with. He was extremely knowledgable, patient, reachable, and timely. As a first-time home buyer, I never felt alone or misguided, and he was always willing to walk me through the details. Tony was an essential part of my team and came through in the end with a great rate. Would recommend him to anyone!”
-Katie, 5 Stars

 
“In such a stressful and complex market as NYC, having Tony as my mortgage broker was such a relief! I had a very difficult process with the first lender I chose that wound up never coming to fruition and thus I was unable to close. As I was about to give up, the realltor for the property of interest introduced me to Tony. I am so glad he did! Not only did he ultimately get the job done, but the lender and loan he ascertained for me was much more attractive than the one I originally pursued. Also, he was with me every step of the way, always quick to respond to my inquiries and questions. His confidence and experience helped a great deal to assuage any of my concerns. I can tell you that having been disappointed so much by the first lender's process, I was not the easiest customer to deal with and accommodate. However, Tony rose to the challenge and made sure in the end that it would all happen for me, and in the way that he had outlined from the beginning. There were no surprises, no fast talking, no gimmicks, etc., only pure professionalism, competence, confidence, experience, and ulti.ately success! Thank you so much Tony for all of your help with my dream home!”
-DrFieldsNYLP, 5 Stars

 
“I highly recommend Tony. He was extremely helpful throughout the process of application and closing. There are so many small steps and opportunities for confusion and delay, and Tony was on top of everything making sure to shepherd along everyone involved. The same attitude was evident in dealing with the closing. Really a great experience and I'd recommend his services without reservation.”
-Daniel Politzer, 5 Stars

 
“Very efficient & extremely helpful. Get things done quickly and always on top of everything throughout the application process. Very knowledgeable. Tony works very closely with us from getting the pre-approval right until the closing. Could say he custom designed the loan for us.”
-pymargaretlo, 5 Stars

 
 
“My situation was complicated -- I am a business owner, and my business started just over three years ago. My name was still on a mortgage I co-signed with my husband. I interviewed several mortgage bankers who told me they could ensure no bumps in the process, but then proceeded to send me a boilerplate laundry list of documents and tax forms for someone who had a salaried job. Tony understood my situation, and was not only the linchpin in ensuring that I got the rate he originally promised (even though we blew through the 90-day rate lock period), but he also made the closing come together (even though that was my lawyer's job. I would recommend him to anyone.”
-Katie Lemire, 5 Stars

 
“Tony is very knowledgeable and was extremely helpful in helping us navigate this process. He explained this to us from the very beginning all the way through the entire closing process. He was very accessible and responsive with all my queries. I recall several late communications between us about floating my interest rate and because of his assistance and constant feedback I was able to monitor and lower my rate a few weeks before my closing. That was great service! I strongly recommend to anyone interested in purchasing a property in the NY area.”
-jvaladez26, 5 Stars

 
“Tony Jao at Investors Bank is extraordinary. As first-time home buyers, Tony shepherded us through an incredibly difficult market with warmth and ease. As novices, we had a ton of questions and he was responsive and thorough. Whether it was on email or on the phone, Tony was extremely generous with his time and he ensured we knew everything that we were getting into. Most importantly, Tony was able to get us an amazing interest rate.”
-kigoemiller, 5 Stars

 
“Tony helped my wife and I purchase our first home, he answered all questions we had 7 days a week, he actually gave us the advice needed to pass our board interview. He knew more about city and state tax then our attorney did. The sales price on the home was 1mm, right before the contracts we executed, Tony saw the contract as advised is to lower it by 1 dollar, that advise saved us $10,000 not one of the agent or attorneys mentioned this to us. We are greatful for the recommendation to Tony from our realtor. It was a great experience for first time home buyers.”
-Egenbern, 5 Stars

 
“Tony was great to work with. He was very responsive, patient, professional and helpful throughout the whole process, especially since we were first time home buyers. He assured we received the best rate and even found us a discount off of closing costs due to the area in which we were moving (our attorney as well as the seller's attorney were both very impressed by this!). It was a pleasure navigating the process with Tony and I highly recommend him!”
-ninesteel, 5 Stars

 
“Tony Jao atInvestors Bank was extremely helpful and responsive throughout the home buying process. He always picked up the phone when we called with questions, and even helped me improve my credit score to help with our rate. He always took his time when explaining different parts of the home buying process an helped us feel comfortable and confident.”
-jerianadesign, 5 Stars

 
“I'm really glad I chose to work with Tony Jao when I was shopping for a mortgage as a first-time homebuyer. He explained everything about the process, responded to every email and phone call very quickly, and made it his personal mission to get me the best rate on the market. His dedication to my case helped ensure I closed on the apartment just 2 months after putting in an offer. I highly recommend Tony Jao and his team.”
-Julia Newbox, 5 Stars

 
“Tony helped me through a mortgage process that was challenging in several ways. There were delays with the seller, my own credit history as a first time home buyer, and my co-purchaser's credit history. He was always very patient working through these issues, always communicated what was going on, maintained a high degree of professionalism and absolutely did everything he could to make it happen. I'm very satisfied and grateful for all he did.”
-Edwrdhn0, 5 Stars

 
“Tony was very helpful in the loan process. He helped me understand what was going on at each step of the process. In the end, the closing was on time, and all was good.”
-Daphna Harel, 4 Stars

 
“Tony took over after another lender failed to meet our needs. Throughout the process Tony took ownership and worked with all parties, even those outside of his immediate domain, to ensure everything was thorough and timely. At the end, he found a rebate for our closing costs that no one at the closing was even aware existed.”
-dirkdjinngler, 5 Stars

 
“I started my mortgage process with the bank I bank with, they took over 60 days before telling me the building I was in contract to purchase was not lendable. My realtor suggested I reach out to Tony. Not only was he available 7 days a week, he closed my loan at a lower rate than my own bank. I suggest anyone buying in NYC to use Tony, he and his team made this extremely stressful process a walk in the park.”
-jag88coupe, 5 Stars

 
Program Interest Rate APR* Apply Link
30 Year Fixed Rate Jumbo Bi-Weekly* 4.00% 4.031% (0 points)
15 Year Fixed Rate Jumbo Bi-Weekly* 3.375% 3.437% (0 points)
30 Year Fixed Rate* (to $510,400) 3.75% 3.862% (0 Points)
H.O.M.E. 30 Year Fixed Rate* 3.75% 3.804% (0 points)
30 Year Fixed Rate*( Mortgage Rewards) 3.625% 3.712% (0 Points)

We offer first mortgage programs, for purchase or refinance, on 1 to 4 family properties. The home must be owner occupied as the owner's primary residence or true vacation home. Not all of our products are listed above - please call 855.446.9977 to learn about our many other options! 

As rates are subject to change at any time without notice, please contact an Investors Home Mortgage loan officer for the most updated rates. Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site. 

The Interest Rates, APR, and fees displayed may be adjusted based on several factors including, but not limited to, property location, loan amount, loan type, occupancy, property type, loan to value, debt to income ratios, FICO credit scores, and asset reserves. Certain conditions and restrictions may apply, not all products are guaranteed for your situation. All loans subject to credit approval and satisfactory appraisal. Bi-weekly loans require auto debit payments and payroll direct deposit into an Investors Bank checking account. For complete details on all of the products and offers on this page, see our Mortgage Disclosures or call us at 855.446.9977 for further information.

Published rates include incentives, where applicable, and are only offered on new loans. Incentives not available on expired rate locks. The incentive may change or be discontinued at any time and without notice. Rate shown is based on best pricing available, conventional or conforming rates of the products shown, and are assumptions for a borrower with excellent credit, verification of the value of your home, your credit score, and other considerations. Borrowers and properties must qualify under FNMA and Bank guidelines. Restrictions apply.

Annual Percentage Rate (APR)

APR: Annual Percentage Rate. All APRs and fees subject to change without notice.

  • Add 0.25% for all loans with a median credit score below 680 and loan to value/combined loan to value over 70%
  • Add 0.25% to the interest rate for loans over $2,000,000.00
  • Add 0.125% to the interest rate for all New York Loans or 0.25% origination point to your closing costs, except Co-op properties
  • Add 0.125% to the interest rate for all Condominiums / Attached PUDs over 75% LTV
  • Add 0.125% to the interest rate for all Condominiums/ Attached PUDs (projects of 4 units or more) that are 100% complete and 90% sold (closed). These adjustments are cumulative.
  • No add on for all co-op loans up to 75% LTV/CLTV. Add 0.25% for 75.01%-90% LTV/CLTV
  • Add 0.125% to the interest rate for all 2-4 family properties

30 Year Fixed Rate Jumbo

This rate is for the 30-Year Bi-Weekly product only, and applies to single family primary residence home purchases. The 30 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, and CT. Rate quoted is for loan amounts above county FNMA limit to $2,000,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .375% add on
  • Refinance options available. Please call for options.

15 Year Fixed Rate Jumbo

This rate is for the 15-Year Bi-Weekly product only, and applies to single family primary residence home purchases.  The 15 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, and CT. Rate quoted is for loan amounts above county FNMA limit to $2,000,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

30 Year Fixed Rate

Rates are based on single family home purchases with 25% down payment, or 75% loan to value.

5/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 60th payment. ARM Payment Schedules are based on a loan amount of $100,000.00. Rates are based on single family primary home purchase.

7/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 84th payment. ARM Payment Schedules are based on a loan amount of $100,000.00. Rates are based on single family primary home purchase.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances starting at Fannie Mae county limits and up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

H.O.M.E Product

Investors Home Mortgage offers an Affordable Mortgage Program available to borrowers who have low-to-moderate income. The program is available on 1-2 family, owner-occupied homes, condos, and co-ops for customers who meet low-to-moderate income limitations and/or who live in low-to-moderate income census tract areas in New Jersey and New York. For low-to-moderate census tract demographics, please visit www.FFIEC.gov. Homebuyer counseling required. Lender Paid Mortgage Insurance is only available on 1 family homes and condos. Refinance options available. Please call for options.

Loan Limits

Conforming Loan Amounts
See Fannie Mae Loan Limitations

Investors Bank Loan Limitations
Loans Up to $3 Million, restrictions and fees, and qualification requirements may apply.

Estimated Payment Calculator
Information and interactive calculators are made available to you as self-help tools for your independent use. We do not guarantee the accuracy of the calculators or their applicability to your circumstances. Please contact us for our most up-to-date rates.

Published rates include incentives, where applicable, and are only offered on new loans. Incentives not available on expired rate locks. The incentive may change or be discontinued at any time and without notice. Rate shown is based on best pricing available, conventional or conforming rates of the products shown, and are assumptions for a borrower with excellent credit, verification of the value of your home, your credit score, and other considerations. Borrowers and properties must qualify under FNMA and Bank guidelines. Restrictions apply.

Annual Percentage Rate (APR)

APR: Annual Percentage Rate. All APRs and fees subject to change without notice.

  • Add 0.25% for all loans with a median credit score below 680 and loan to value/combined loan to value over 70%
  • Add 0.25% to the interest rate for loans over $2,000,000.00
  • Add 0.125% to the interest rate for all New York Loans or 0.25% origination point to your closing costs, except Co-op properties
  • Add 0.125% to the interest rate for all Condominiums / Attached PUDs over 75% LTV
  • Add 0.125% to the interest rate for all Condominiums/ Attached PUDs (projects of 4 units or more) that are 100% complete and 90% sold (closed). These adjustments are cumulative.
  • No add on for all co-op loans up to 75% LTV/CLTV. Add 0.25% for 75.01%-90% LTV/CLTV
  • Add 0.125% to the interest rate for all 2-4 family properties

30 Year Fixed Rate Jumbo

This rate is for the 30-Year Bi-Weekly product only, and applies to single family primary residence home purchases. The 30 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, and CT. Rate quoted is for loan amounts above county FNMA limit to $2,000,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

15 Year Fixed Rate Jumbo

This rate is for the 15-Year Bi-Weekly product only, and applies to single family primary residence home purchases.  The 15 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, and CT. Rate quoted is for loan amounts above county FNMA limit to $2,000,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

30 Year Fixed Rate

Rates are based on single family home purchases with 25% down payment, or 75% loan to value.

5/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 60th payment. ARM Payment Schedules are based on a loan amount of $100,000.00. Rates are based on single family primary home purchase.

7/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 84th payment. ARM Payment Schedules are based on a loan amount of $100,000.00. Rates are based on single family primary home purchase.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances starting at Fannie Mae county limits and up to $2,000,000.00
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

H.O.M.E Product

Investors Home Mortgage offers an Affordable Mortgage Program available to borrowers who have low-to-moderate income. The program is available on 1-2 family, owner-occupied homes, condos, and co-ops for customers who meet low-to-moderate income limitations and/or who live in low-to-moderate income census tract areas in New Jersey and New York. For low-to-moderate census tract demographics, please visit www.FFIEC.gov. Homebuyer counseling required. Lender Paid Mortgage Insurance is only available on 1 family homes and condos. Refinance options available. Please call for options.

Loan Limits

Conforming Loan Amounts
See Fannie Mae Loan Limitations

Investors Bank Loan Limitations
Loans Up to $3 Million, restrictions and fees, and qualification requirements may apply.

Estimated Payment Calculator
Information and interactive calculators are made available to you as self-help tools for your independent use. We do not guarantee the accuracy of the calculators or their applicability to your circumstances. Please contact us for our most up-to-date rates.