Stephanie Chu
Community Lending Advisor
NMLS #409862
About Stephanie
Stephanie Chu is a Community Lending Advisor at Kearny Bank. She is an accomplished sales representative with an extensive background in the origination of residential home mortgage purchases, home equity lines of credit and home mortgage refinances. She has over 22 years of residential home lending experiences. Her passion is helping first time homebuyers. She provides superior client services, which working closely in recommending and selecting products to meet each client’s specific needs.
Stephanie has a wide-range of referral sources from previous client recommendations, real estate agents, accountants, attorneys, financial advisors, physicians, dentists and business owners.
Stephanie has 30 years of residential lending sales experience and a proven track record in generating new business through market outreach and negotiation, utilizing her broad range of real estate and lending expertise. She holds a Bachelor of Arts Degree in Biology from Rutgers University Newark College of Arts and Science. She is a member of the North Central Jersey Association of REALTORS, AREAA Central New Jersey Chapter and AREAA Northern New Jersey Chapter.
At Kearny Bank we love what we do, and we believe it shows. But don’t take our word for it.
Fixed-Rate Mortgage
A fixed rate mortgage is the most popular type of loan program that Kearny Bank offers. With a fixed rate product, you get the security of a consistent interest rate (and payment) over the entire life of your loan. The overall interest you will pay on a fixed rate mortgage will depend on the overall term of the loan. See our great mortgage rates here.
Adjustable Rate Mortgage (ARM)
Kearny Bank offers 1, 3, 5, 7, and 10 year adjustable rate mortgage programs (also known as an ARM program). An adjustable rate mortgage is a type of loan product that offers an interest rate that is lower than your standard fixed rate loan. The difference here is that the interest rate can change over time. Higher interest rates in the future could potentially lead to a higher mortgage payment for you down the road. In essence, you’re receiving a lower interest rate now (and paying a lower rate now) in exchange for the risk of a possible rate increase in the future.
Financial Calculators
Our financial calculators are designed to be a tool to help you determine your potential monthly payments on one of our mortgage loans or home equity loan or line of credit prior to you visiting one of our branches to talk with a specialist.
Financial Calculators