Mortgage Center

Purchasing a new home or refinancing your current home is exciting and a little scary. Roselle Savings Bank will help you choose the mortgage product that best suits your needs and walk you through process from application to closing. Choosing a lender is an important decision, so choose a bank with more than 125 years of experience. We have specialized programs for first time home buyers, and low income and moderate income borrowers. For current rates and more information or to begin the application process, visit our online Mortgage Center. If you prefer, you can call or visit our main office during banking hours and our lending department would be happy to answer questions you may have about our lending process.

Term Rate APR Points
Loans $750,000 or Less (Maximum LTV <90%)
30 Year Fixed Rate 4.375% 4.411% 0.000%
15 Year Fixed Rate 3.625% 3.688% 0.000%
10 Year Fixed Rate 3.500% 3.591% 0.000%
Loans $750,000 to $1,000,000 LTV 80%
30 Year Fixed Rate 4.500% 4.513% 0.000%
15 Year Fixed Rate 4.000% 4.022% 0.000%
10 Year Fixed Rate 3.750% 3.781% 0.000%
First Time Home Buyer - $450,000 or Less (Maximum LTV< 90%)
30 Year Fixed Rate 4.125% 4.161% 0.000%


The interest rates, annual percentage rates (APRs), and points shown are subject to change without notice. Your APR will vary based on your final loan amount and finance charges.

Ask us about our specialized lending programs for first time home buyers, low income and moderate income borrowers in Union County and select areas of Hunterdon, Somerset and Morris counties.

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