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PERSONAL & BUSINESS BANKING

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Finance Your Home
with Kearny Bank!

advisor

Michael Ellis

Senior Mortgage Advisor

NMLS #422747

mobile

973-769-0263

mail

[email protected]

Get Started: Mortgages Get Started: Home Equity Loans/HELOCs

About Michael

I’ve spent 15 years in the residential mortgage business helping clients navigate through the loan process. From the application through closing process, I have successfully completed more than 2,500 mortgage transactions. Financing a home is a very personal, and for many, a once-in-a-lifetime experience. That’s why I build a strong personal relationship with each client. Working with you, I will learn your goals and capabilities. Whether you are first time home buyers or experienced homeowners, I’ll explain available options and go over all the details. This assures the right mortgage at the most competitive rate. I will fit my schedule to yours with availability days, nights and weekends because serving your needs is my first responsibility.

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

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Investments: Are not FDIC/NCUSIF insured • May lose value • Are not financial institution guaranteed • Are not a deposit • Are not insured by any federal government agency.

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