Loan Rates
Effective September 22, 2026
Rates subject to change without notice.
Offer of credit is subject to credit approval.
Available to New Jersey residents only.
For more information, call (201) 869-9300 to speak to a residential loan specialist.
Fixed Rate Mortgage Loans – Owner Occupied
| Loan Type | Interest Rate | APR* | Points | Monthly Payment Per $1,000 Borrowed | Description |
|---|---|---|---|---|---|
| 10 Year – 120 Months | 6.00% | 6.167% | 0% | $11.10 for 120 months | Fixed Rate, Owner Occupied, No Points |
| 15 Year – 180 Months | 6.250% | 6.369% | 0% | $8.57 for 180 months | Fixed Rate, Owner Occupied, No Points |
| 20 Year – 240 Months | 6.375% | 6.470% | 0% | $7.38 for 240 months | Fixed Rate, Owner Occupied, No Points |
| 30 Year – 360 Months | 6.750% | 6.824% | 0% | $6.49 for 360 months | Fixed Rate, Owner Occupied, No Points |
* Annual Percentage Rate
**The payment amount does not include taxes and insurance. Your monthly payment obligation will be greater.
All interest rates are subject to change without notice.
Fixed Rate Mortgage Loans – Investment Property
| Loan Type | Interest Rate | APR* | Points | Monthly Payment Per $1,000 Borrowed | Description |
|---|---|---|---|---|---|
| 10 Year – 120 Months | 7.000% | 7.170% | 0% | $11.61 for 120 months | Fixed Rate, Investment Property, No Points |
| 15 Year – 180 Months | 7.250% | 7.373% | 0% | $9.13 for 180 months | Fixed Rate, Investment Property, No Points |
| 20 Year – 240 Months | 7.375% | 7.474% | 0% | $7.98 for 240 months | Fixed Rate, Investment Property, No Points |
* Annual Percentage Rate
** The payment amount does not include taxes and insurance. Your monthly payment obligation will be greater.
5 – 6 Family rates are also available. Please call our Mortgage Department for details.
All interest rates are subject to change without notice.
Adjustable Rate Loans are also available at GSL Savings Bank for commercial loans only.
Please contact 201-869-9300 for more information.
Application Fee: 1 Family $500.00, 2-4 Family $750.00, 5+ Family $1,000.00
Borrower pays for appraisal. Bank will give a quote for the borrower to approve before order.
Application Fee covers flood search and credit report – Rate Lock 60 days from date of application
Owner Occupied Max LTV: 80% Investment Max LTV 75%
Loans over $832,750.00 are JUMBO Loans – ADD .50% to above quoted rates.
Home Equity Lines of Credit
| Loan Type | Interest Rate | APR* | Points | Monthly Payment Per $1,000 Borrowed | Description |
|---|---|---|---|---|---|
| HELOC* 15 YEAR TERM | 7.000% | 7.122% | 0% | $8.99 for 180 months | Home Equity Line of Credit |
| HELOC Invest** 15 YEAR TERM | 7.500% | 7.623% | 0% | $9.27 for 180 months | HELOC Invest** |
*** Annual Percentage Rate
* Rate is equal to the Prime Rate as published in the Wall Street Journal on the first business day of the month and is adjusted monthly as the Prime Rate changes.
The floor rate is 5% with a maximum rate of 10%.
Minimum monthly principal payment is $100.00 plus finance charges
** HELOC Investment Rate is Equal to Prime Rate + .50% as published in the Wall Street Journal the first business day of the month and is adjusted monthly as the Prime Rate changes
Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line. If they are not, you will be required to pay the entire outstanding balance in a single payment.
This is a Variable Rate Account, rates can change monthly. All interest rates are subject to change without notice.
You will be required to pay a Mortgage Recording Fee at the time of closing. This fee can be up to $500.00 depending upon the county in which the secured property is located.
*Application Fee: $500.00
**Application Fee: $1,000.00
Maximum Loan Amount $500,000.00
Fixed Rate Home Equity Loans
| Loan Type | Interest Rate | APR* | Points | Monthly Payment Per $1,000 Borrowed | Description |
|---|---|---|---|---|---|
| Fixed H/E – 20 YEAR TERM | 7.125% | 7.223% | 0% | $7.82 for 240 months | Fixed Rate Home Equity Loan |
***APR= Annual Percentage Rate. The payments do not include amounts for taxes and insurance premiums, if applicable. Your actual payment obligation will be greater. You will be required to pay a Mortgage Recording Fee at the time of closing. This fee can be up to $500.00 depending upon the county in which the secured property is located. Property insurance required; flood insurance may be required.
Application Fee: $500
Loans subject to credit approval.
Loan amount: maximum $500,000
Up to 80% loan to value owner occupied, 1-4 family, 1st lien
Up to 75% loan to value less 1st mortgage balance, 2nd lien