Investors Home Mortgage

Featured Mortgage Disclosures

Featured Mortgage Disclosures

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 $1,500,000.00
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 not 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 $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 $1,500,000.00
  • 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 .25% 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 $1,500,000.00
  • 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 $1,500,000.00.
  • 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 .25% 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.