• 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!
• You can use our calculators right now to estimate your monthly payment or figure out how much you can afford.

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Mortgage Loan Calculator (PITI)

• 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. Plus, your application fee is refunded at closing.
• And, we keep all loans in-house, so you're assured of Clifton Savings Bank's personal service. View current 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.
• There are no application fees if you meet income eligibility requirements. 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.

• Clifton Savings Bank will make short-term construction mortgage loans secured by one to four family residences to be constructed in these New Jersey counties only: Bergen, Passaic, Essex, Morris, Hudson or Union. View current rates and learn more.

• Clifton Savings Bank makes first mortgage loans on commercial real estate and multi-family dwellings located in these New Jersey counties only: Bergen, Passaic, Essex, Hudson, Morris and Union. Purchase mortgages and refinance mortgages are eligible. Sorry, no industrial properties. Principals only. No brokers. View current rates and learn more.

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