Mortgage and Loan Accounts

Home Mortgages

• When you shop for a mortgage, you're prepared to make some long-term promises. Shouldn't you get some in return? At Clifton Savings Bank, our mortgage commitment begins before you sign any papers. We're committed to excellent rates and some of the best terms around. And we keep our loans, so our commitment includes superior service after you sign the loan papers. You'll like our mortgages and our rates. You'll love our service!
• If you already have your mortgage loan with Clifton Savings Bank, we offer rate and term modifications. Call the mortgage department for details.
• You can use our calculators right now to estimate your monthly payment or figure out how much you can afford.

Home Equity Loans and Home Equity Lines of Credit

• Unleash the equity in your home. When you need some ready cash, Clifton Savings Bank is right behind you. Whether you're planning a home improvement project, consolidating your bills, or buying a car, our residential Home Equity Loans are just the answer.
• Borrow up to $250,000 at a low fixed rate with a second mortgage, or open a Home Equity Line of Credit to have cash available when you need it.
• And, we keep all loans in-house, so you're assured of Clifton Savings Bank's personal service. View current rates.

First-time Home Buyer's Program with Special Rates

• If you have not owned a home in the previous three years and meet the other criteria, you're eligible.
• Loans given under this program will be 1/4% less than our normal interest rates.
• The origination fee is refunded at closing if you meet eligibility guidelines. First time home buying is easy because we're with you step-by-step.
• Give us a call and we'll help you get on the road to your first home. To learn more, click here.

My Wallet and My Neighborhood Programs

  • If you are a low-income or moderate-income applicant, you're eligible
  • If the subject property is located in a low-income or moderate-income census tract in any of the following counties, you're eligible: Bergen, Passaic and Essex.
  • Loans given under these programs will be 1/4% less than our normal interest rates.
    View current rates and learn more.

Commercial and Multifamily Mortgage Loans

• Clifton Savings Bank makes commercial loans secured by multi-family and other commercial real estate properties throughout New Jersey with a concentration in Passaic, Bergen, Hudson, Essex, Morris, and Union Counties.   We offer competitive interest rates and terms. View current rates and learn more.

Account Loans (Passbook & CD)

• Borrow against your balance using this low-cost method.
• Your savings serve as collateral.