Rates effective as of Thursday, December 13, 2018.

Program Interest Rate APR* Estimate Your Payment Get Started
30 Year Fixed Rate Jumbo Bi-Weekly* 4.125% 4.170% (0 points) Estimate Payment Get Started
15 Year Fixed Rate Jumbo Bi-Weekly* 4.00% 4.079% (0 points) Estimate Payment Get Started
30 Year Fixed Rate* (to $484,350) 4.625% 4.717% (0 points) Estimate Payment Get Started
5/1 Adjustable Rate* 3.875% 4.84% (0 points) Estimate Payment Get Started
7/1 Adjustable Rate* 4.00% 4.620% (0 points) Estimate Payment Get Started
H.O.M.E. 30 Year Fixed Rate* 4.25% 4.340% (0 points) Estimate Payment Get Started

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 contact Investors Home Mortgage at 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.

Please Note: Web site authorization by the New York State Department of Financial Services is pending. Until this site is authorized, no mortgage loan applications for properties located in New York will be accepted through this site.

Learn How Investors Home Mortgage can make the process go smoothly

Purchasing a new home can be as stressful as it is exciting, but the representatives at Investors Home Mortgage will help reduce that stress by helping you find the perfect loan for your specific situation. With a wide variety of products, both fixed and adjustable, we will work with you. Whether it’s your first time purchasing a home, or you’re a more experienced homebuyer, Investors Home Mortgage will likely have what you’re looking for. Proudly serving all areas where we have a branch presence and throughout New Jersey, Pennsylvania, Connecticut, and Delaware.  

For when it might be time to get a new mortgage

Looking to refinance in NJ, PA, CT, or DE? There are many indicators that the time is right to refinance your home.  Let’s look at the possible reasons why it may be time to call your Investors Home Mortgage professional. 

An increase in your home’s equity:
If your home has increased in value, your home’s equity can be used to pay off other debts or improve your home.  This is called a cash-out refinance.

A reduced interest rate:
With interest rates near historic lows, now is a great time to refinance your home. By taking advantage of low rates you can reduce your monthly payments, giving you the ability to manage other debt or pay down the principal of your home.

Reduce your term:
Lower interest rates produce the possibility of switching to a shorter-term mortgage.  With a shorter-term, you’ll pay off your mortgage loan sooner and, with a lower rate, you may be designating more of your payments towards your principal balance.

Switch to a different loan type:
If you currently have an Adjustable Rate or a One-Step Loan, a reduced fixed rate may be desirable for you.  Switching to a fixed rate will guarantee more stability in your mortgage payment.

Mortgages tailored to you

Investors Home Mortgage offers a variety of programs and services to make your loan more affordable or more tailored to your situation. For example, a specialty program could be appealing to you if you live in a low or moderate income area, are purchasing your first home, need a large loan, are building a new home or renovating your current one, want a Reverse Mortgage, and more. Popular programs include our First Home Club, H.O.M.E. Affordable Mortgages, Buyers Best Mortgages, LLC Mortgages, and Co-Op Mortgages.

Fixed-Rate Mortgages

  • Consistent budgeting every month
  • Choose among 10-, 15-, 20- and 30-year terms
  • Interest rate never changes during mortgage term
  • 30-year is most popular; offers lowest monthly payment option

Adjustable-Rate Mortgages (ARM)

  • Conforming and jumbo ARMs available
  • Initial rates lower than standard fixed-rate mortgages that may qualify you for a higher loan amount
  • Lock in rate for 3, 5, 7 or 10 years
  • Good choice if moving or upsizing in a few years

First Home Club

  • May qualify for up to $7,500 assistance with closing costs and down payment
  • Application fee credited back as a closing cost discount
  • Matches as much as $4 for every $1 you hold in an Investors Bank Savings account

Bi-Weekly Mortgages

  • Discounted rate
  • Save money, build equity quicker
  • Reduces interest paid over life of the loan
  • Available on all Investors Bank Fixed-Rate Mortgages

Jumbo Mortgages

  • Discounted rate for jumbo loans larger than $484,350
  • Includes Bank Portfolio, Fannie Mae and FHA options
  • Discounted rates on Investors Bi-Weekly Fixed Mortgage programs up to $2 million
  • Super Jumbo available for up to $3 million

Fannie Mae (FNMA) Mortgages

  • Direct lender for Fannie Mae, a government-sponsored enterprise
  • Fannie Mae loans offered up to $726,525 in some areas on primary residences, second homes, and investment properties
  • Refinance with Home Affordable Refinance Program (HARP)
  • Fixed- or adjustable-rate loan options available

FHA Mortgages

  • Down payments as low as 3.5%
  • Flexible credit requirements
  • Co-signers and gift funds from family members allowed
  • Borrow up to $726,525 in certain areas

DreamBuilder Construction/Renovation Mortgage

  • Available for purchase or refinance
  • One-close construction loan or renovate your existing home
  • Loan amounts up to $484,350 or more in high balance areas
  • Pay just interest-only payments during construction

H.O.M.E. Affordable Mortgages

  • Available to low and moderate-income borrowers
  • Minimum down payments as low as 3%
  • Use for purchases, rate and term refinances, and cash-out refinances
  • Applies to 1-4 family owner-occupied homes, condos and Co-Ops in specific counties of New York and New Jersey

Decision First Program

  • Get fully approved, before your find your dream home
  • Strengthen your purchase offer
  • Know how much you afford

Extended Lock Program

  • Utilized when building a new home
  • Lock in current rate for 18 months, with option re-lock if rates drop before loan closes
  • Offers flexibility – change mortgage program prior to closing

Co-Op Mortgages

  • As little as 10% down
  • Refinance existing Co-Op mortgage with 90% loan-to-value (LTV) ratio on rate and term and cash-out programs
  • Loans up to $3 million available

Reverse Mortgages

  • Available to homeowners aged 62 and older
  • No monthly payments of interest or principle required
  • Receive payments monthly, in a lump sum, credit line or combination of the three

LLC Mortgages

  • Protects personal assets
  • 15-year fixed and adjustable rates available
  • Primary residence or second homes
  • Available only in New York and New Jersey

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.
  • 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 and FICO below 680
  • Add 0.125% to the interest rate for all condominiums/ attached PUDs (projects of 4 units or more) that are not 50% closed or under contract. These adjustments are cumulative.
  • No add on for all co-op loans up to 80% LTV/CLTV. Add 0.25% for 80.01%-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, DE and CT. Rate quoted is for loan amounts above county FNMA limit to $1,500,000. 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 $1,500,000. Maximum LTV of 75% on balances up to $2,000,000.
  • 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 $1,500,000. 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 $1,500,000. Maximum LTV of 75% on balances up to $2,000,000.
  • 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*(to $484,350)

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. 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. Rates are based on single family primary home purchase. Rate quoted is for loan amounts above county FNMA limit to $1,500,000.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $1,500,000. Maximum LTV of 75% on balances up to $2,000,000.
  • 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.

 

Please Note: Web site authorization by the New York State Department of Financial Services is pending. Until this site is authorized, no mortgage loan applications for properties located in New York will be accepted through this site.

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