Hudson City - Bank on better values.
Higher Deposit Yields, Lower Fees, Competitive Mortgage Rates

Mortgages-New Jersey

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

Special Mortgage Program -- Low/Moderate Income

Hudson City is committed to meeting the banking and housing needs within the communities in which we serve. To that end, our Bank offers special programs for individuals who have Low/Moderate Income levels. If you qualify under our program you will save thousands of dollars due to reduced rates and fees as well as preferred underwriting criteria.

Maximum Permissible Income Levels For Low/Moderate Program
by County
Atlantic $55,360 Middlesex $74,880
Bergen $52,480 Monmouth $74,880
Burlington $66,800 Morris $71,040
Camden $66,800 Ocean $74,880
Essex $71,040 Passaic $52,480
Gloucester $66,800 Somerset $74,880
Hudson $52,480 Union $71,040
Hunterdon $71,040 Warren $56,000
Mercer $73,040    


Current Annual Percentage Rate (APR) as of
  • All interest rates are subject to change without notice
  • Property must be located within the eligible counties shown above
  • Maximum mortgage amount $250,000
  • For loan amounts greater than $250,000, in a defined Low/Moderate census tract, add 0.125% to the rates listed above up to a maximum loan amount of $400,000

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.

Phone Us

  • New Jersey Properties Contact Information

    Main Processing Center
    (201) 967-1900 or 1-800-222-0194 Ext. 1229, 1247, 1255

    Ocean County
    (732) 477-0931

Visit Us

At any of our Branch Locations or Mortgage Processing Centers.

E-Mail Us

Contact us using our secure e-mail form.

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.

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Copyright © 2008 Hudson City Savings Bank
Member FDIC Digital Insight, an Intuit company Equal Housing Lender