Find the Home Loan That’s Right for You and Your Budget

Buying your first home? Empty nesters looking to turn that newfound extra bedroom into a den? Thinking about refinancing? We’ve got you covered.

With our extensive line of Residential Loan offerings, our experienced Residential Lenders will tailor the best solution to your personal needs, pair that solution with competitively low rates and get you where you need to be quickly.

Rates current as of 9/11/2019

30 Year Fixed Loan 1
3.625%, 3.674% APR

15 Year Fixed Loan 1 3.375%, 3.459% APR

10/1/30 ARM 2 3.625%, 3.674% APR

Home Equity Line of Credit 3 5.750%, 5.759% APR


With our Lenders helping you along the way, you can expect nothing less than a hassle-free application to closing experience, and no-fuss communication because after all,
we are 
the best alternative to big city banking.

Our Lenders and key decision makers are only a click or phone call away.


Fixed Mortgages

Adjustable Rate Mortgages

Home Equity Term Loans

Co-Op Loans 4

Home Equity Lines of Credit

Contact us and we’ve got you covered on the rest.

The Annual Percentage Rate (“APR”) calculations are based on typical prepaid finance charges for a $350,000 First Mortgage or a $100,000 Home Equity Fixed Term loan. Actual charges may vary based on the loan terms.

1Annual Percentage Rate (“APR”). APR calculations are based on a loan amount of $350,000 and reflects fifteen (15) days of prepaid interest, application fee and estimated flood certification fee. Actual charges may vary based on the loan terms. Rates are in effect as of 9/11/2019. Rates, terms and programs are subject to change without notice. Based on the APR shown, your estimated monthly payment of principal and interest would be $1,600.97 for a 30 year fixed rate for loans up to $726,525 and $2,480.66 for the 15 year fixed rate shown. These payments do not include real estate taxes or insurance premiums. The actual payment obligation will be greater. Property insurance is required and flood insurance may also be required. Rates are valid for one to four family, owner-occupied primary and secondary residences in New Jersey. All residential loans are subject to underwriting standards and credit approval. Additional terms and conditions may apply. Other rates and terms are available.

2 Adjustable Rate Mortgage (“ARM”) loans are based on the Treasury Note Rate Constant Maturity weekly average. The 10/1 ARM is based on the 10 Year weekly average. Rates are set at time of Commitment and not at application.

3 Variable rates may increase. Maximum APR 18%.

4 CO-OP loans are limited to Mariner’s Bank pre-approved CO-OP complexes. Contact us for more information.

All residential loans are subject to underwriting standards and credit approval. Rates, terms, and programs are subject to change without notice. Additional Terms and Conditions may apply. Contact Mariner’s Bank at (201) 224-9110 or for more information. NMLS #740688 Member FDIC, Equal Housing Lender. Bauer Financial, Inc. is the nation’s leading independent bank and credit union rating firm,