Featured Mortgage Rates

Come home to a better mortgage

Rates effective as of Sunday, June 24, 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* 3.75% 3.826% (0 points) Estimate Payment Get Started
30 Year Fixed Rate* (to $424,100) 4.625% 4.717% (0 points) Estimate Payment Get Started
5/1 Adjustable Rate* 3.50% 4.420% (0 points) Estimate Payment Get Started
7/1 Adjustable Rate* 3.625% 4.323% (0 points) Estimate Payment Get Started
H.O.M.E. 30 Year Fixed Rate* 4.125% 4.214% (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.

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 .125% to the interest rate for cash out adjustment for FICO below 680 and LTV/CLTV 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 not 100% complete and 90% sold (closed). 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, 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 for loan amounts above $424,100.  Borrower(s) must meet the following criteria in order to be eligible for 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 .25% add on
  • Refinance options available. Please call for options
  • Borrower(s) must have auto debit from an Investors Bank checking account

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 for loan amounts above $424,100.  Borrower(s) must meet the following criteria in order to be eligible for rate shown.

  • 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 .25% add on
  • Refinance options available. Please call for options
  • Borrower(s) must have auto debit from an Investors Bank checking account

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. Borrower(s) must have auto debit from an Investors Bank checking account to be eligible for rate shown. 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.