RSI Bank - Since 1851
    Personal Banking Loans Mortgages
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Mortgages

Financing dreams since 1851

As New Jersey’s oldest mutual savings bank, RSI Bank has helped New Jersey residents finance their dreams of home ownership since 1851. RSI Bank offers expertise in the local real estate market, competitive rates, low fees, and in-house underwriting for most of our lending programs.

 

Why choose RSI Bank for your home mortgage?

RSI Bank mortgage specialists are here to help you understand your options when making a new purchase or refinancing an existing loan.

Call 732.388.1800 to speak with a lending representative in our Rahway office. We're happy to help you make an informed decision.

 
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The RSI Bank Difference:
At-A-Glance Advantages

  • In-house underwriting1
  • Local experts based in Union County, NJ
  • Dedicated customer service
  • 90-day commitment for purchases
  • No prepayment penalties
  • No hidden fees
  • A “no cost, float-down” option2
  • Competitive interest rates
  • A history of responsible lending since 1851

Choosing the Right Mortgage - Understanding Your Options

All offers are available in New Jersey only. All loans are subject to credit approval.
 

Adjustable-Rate Mortgages - Make the most of low introductory rates

  

Fixed-Rate Mortgages - Lock in a rate for the long term

  

Bi-Weekly Mortgages - Pay off a loan more quickly

  

Jumbo Mortgages - Loans between $548,251 and $1,000,000

  

First Time Home Buyer Program - Grant program for new home buyers

  

Homebuyer Dream Program - Federal Grant program for new home buyers

  

Homebuyer Assistance Programs

  
 

FHA Loan Program

The Federal Housing Administration (FHA) insures this loan so you may purchase a home with as little as 3.5% down. Ask a representative for details.
 

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VA Loan Program

As a benefit to veterans, the Department of Veterans Affairs (VA) guarantees repayment of loans made to veterans. No down payment and easy qualifying guidelines. Ask a representative for details.
 

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Homeowner’s Insurance

RSI Insurance Agency, Inc. provides free quotes on homeowner’s insurance from top companies.
 

More About Insurance

 

RSI Insurance Agency, Inc. is a wholly-owned subsidiary of RSI Bank. All non-deposit investment and insurance products are:

Not FDIC Insured Not a Deposit No Bank Guarantee May Lose Value

 

1 FHA and VA programs are excluded.
2 Applies to portfolio products only, except for home equity. Portfolio products are loans that RSI Bank originates and holds in the bank's portfolio instead of selling on the secondary mortgage market. Ask a lending representative for further details.
 

State Licenses

NMLS Loan Originator ID: 409467

Loan applications are limited to the following states.

State License Number Expiration Date
New Jersey 409467 12/31/2021