Central Jersey Bank, N.A.’s new mortgage division offers some of the best rates in the market, as well as programs for the not so perfect borrower regardless of credit, assets, or income situations. Whether purchasing a new home or refinancing an existing one, we have programs for first time home buyer, investors, or those who have second homes around the New Jersey Shore. Central Jersey Bank, N.A. prides itself on the personal service and the willingness to satisfy everyone’s mortgage needs. Need a mortgage fast? Please call our mortgage hotline at 866.518.2880 for a quick, no hassle mortgage quote or email your request to Chuck Tegano.
If you’re a homeowner and need money for home improvements, your child's education or just that special occasion, Central Jersey Bank, N.A. has a Home Equity Loan to fit your needs. Available as a fixed rate loan or as a line-of-credit with a variable interest rate. Equity loans allow you to borrow against the equity in your home at an attractive rate of interest. In addition, your interest may be tax deductible! (Consult your tax advisor). Borrow up to 80% of the equity in your home.
If you need to borrow for a single purchase (swimming pool, car, new kitchen, etc.) and you wish to make fixed payments over a fixed period of time, our Fixed Rate Home Equity Loan may be ideal for you. Borrow up to 80% of the equity in your home. Fixed rate loans feature:
- Amounts up to $400,000. *
- 5, 10, 15, 20 or up to 25 year terms.
- Fast approval.
- Fixed interest rate.
- Fixed monthly payments.
- No closing costs. *
- No pre-payment penalty.
- Loans in excess of $400,000 may be considered, however, certain terms and conditions may apply. Please contact us for details.
If you need money now, next month, next year or at some point after that, our Home Equity Line of Credit is designed for you. By simply writing a check you'll be able to access a revolving line of credit to pay college tuition, make home improvements, consolidate debt or to use as you choose. Home Equity Lines of Credit feature a variable interest rate and easy access to your money. Other benefits include:
- Borrow up to $250,000. *
- 5 year draw period/15 year repayment
- No application fee or closing costs. *
- Revolving line that is replenished as payments are made.
- Convenience checks to access funds when needed.
- Loans in excess of $250,000 may be considered, however, certain terms and conditions may apply. Please contact us for details.
New or used, foreign or domestic, let us help you obtain the vehicle of your dreams! Finance up to 100% of the purchase price of your new or used car. Our auto loans feature:
- Fast approval.
- Terms up to 60 months Fixed interest rate. Click here or contact your local branch for our competitive interest rates.
- Fixed monthly payment.
Please contact us for more information.
Personal loans are a fast and convenient way to pay for appliances, furniture or that special vacation. Borrow up to $5,000.00 at a fixed rate of interest for up to 36 months.
Please contact us for more information.
Spare yourself the embarrassment and costs associated with overdrawing your checking account. Overdraft Protection is a built in reserve attached directly to your checking account. When needed, funds from your line will be transferred into your checking account to cover any checks that you have written. You'll pay interest only on the amount used and will never have to worry about bouncing a check.
Please contact us for more information.
