Mortgages-New Jersey

As The Most Efficient Bank in America, Hudson City offers better values in the form of competitive mortgage rates, lower closing fees, and a straightforward streamlined loan process. Plus, we'll help you close your loan without frustration or costly surprises.

Fixed Rate Mortgages

Terms from 10 up to 30 Years

Fixed Rate Mortgages are the traditional method of financing a home. A 30-year Fixed Rate Mortgage makes it easier for you to plan and budget your expenses because interest rates will not change over the life of the loan. The bottom line is that this type of mortgage protects you against fluctuating rates and insures that monthly payments of principal and interest will not vary over the life of the loan.

A 10, 15 or 20-year Fixed Rate Mortgage usually carries a lower interest rate than a standard 30-year loan. Plus, it will provide you with the benefit of building up faster equity in your home and give you the satisfaction of being debt free sooner than a long-term mortgage.

Current Annual Percentage Rate (APR) as of
4
4
1 Loans up to $417,000 2 Loans from $417,100 to $1 Million 3 Loans from $417,100 to $729,000 4 Loans from $729,100 to $1 Million Interest Only Fixed Rate Mortgage Loans Benefits of a 30-Year Fixed Rate Interest Only Mortgage Interest only payments for the first 10 years of the mortgage Allows lower initial monthly payments Please call for further details
All interest rates are subject to change without notice Please note that all rates listed above are based on Full Documentation loans only Property must be located within the State of New Jersey See Lending Policy (disclosed in Mortgage Application) for further details Loans Over $1,000,000 Loans from $1,000,100 to $1,500,000-Add 0.125% to applicable base rate Loans from $1,500,100 to $3,000,000-Add 0.250% to applicable base rate

Lock In Your Rate

All interest rates quoted are based on a 90-day commitment.

Interest rates are locked in upon receipt of the loan application. Rates will hold through the application process plus the additional 90-day commitment period.

Extend your 90-day lock-in rate pricing through the following fee schedule:

• A 120 Day Commitment-Add .250% of Loan Amount to Origination Charges
• A 180 Day Commitment-Add .500% of Loan Amount to Origination Charges
• A 270 Day Commitment-Add .750% of Loan Amount to Origination Charges
• A 360 Day Commitment-Add 1.00% of Loan Amount to Origination Charges

(Origination charges listed above are non-refundable.)

How much can you afford? Our mortgage calculator is designed to give you an estimate of the mortgage loan amount that fits your budget.

We're Here to Help

If you are interested in a Hudson City mortgage, or have questions about the best mortgage to meet your needs, feel free to contact us.

Want an Application?

If you want to apply or simply want to get a head start, print and complete our Mortgage Application Package.

Completed applications may be hand-delivered or mailed to one of our Branch Locations or Mortgage Centers.