Manasquan Bank has unparalleled experience, expertise and flexibility to help locals get the home lending they need for their Jersey Shore dream homes. Our mortgage lending team has made their home here for decades, and are particularly suited to handcraft a mortgage loan for any borrower’s needs.
We know the mortgage and refinance process can be complicated. Rest assured you’ll always have someone to call directly and meet face-to-face at our Wall Township headquarters. Our Residential Business Development Officers have a passion for helping borrowers navigate through the many steps to homeownership.
Tools to Get You Closer to Home
Personal Quote: Enter your mortgage loan details to calculate a monthly payment.
Rate Watch Emails: Get an automated email when rates reach your goal or receive current rate information on a regular basis.
Calculators: These calculators offer assistance as you research which type of mortgage is best for you, deciding if it is the right time to refinance, or if you’re ready to purchase a home.
Resources: Q&A’s to assist you in your understanding of the home lending process.
Apply Online: Ready to get going? Start your mortgage application online. We’ll be in touch just as soon as we’ve received your application and looked it over.
Documentation Checklist: See what documents you need to apply for your home loan.
More Information to Get You Closer to Home
Pre-Qualification. Meet with a Residential Business Development Officer to receive a pre-qualification letter, free of charge. The Pre-qualification letter shows how much home you can afford and let’s your realtor know that you’re serious about home shopping.
Pre-Approval. A firm commitment in days, not months! Simply submit an application for any qualifying loan and a pre-approval letter will be issued for a term of 60 days. Upon contract you can continue to float the rate or lock in at the current rate by signing a Rate Lock Agreement and paying the 1% lock in fee. The pre-approval application fee of $100 will be credited to the mortgage application.
First-time Homebuyer Program. If you’re buying a home for the first time, Manasquan Bank wants to give you a little additional assistance. You’ll receive an interest rate reduction of 1/8% off of the loan program’s normal rate or margin. The mortgage application fee is also refundable at closing. Your annual income can be up to $84,240 and the maximum purchase price is $345,800. Give us a call to see if you qualify for the first-time homebuyer program!
To help you save on your path to homeownership, we offer a special Homebuyer Certificate of Deposit. Learn More.
Low & Moderate Income Borrower Program. We know it’s difficult to afford to live in New Jersey, so this program helps low and moderate income borrowers get into a home of their own. You’ll receive an interest rate reduction of 1/8% off of the loan program’s normal rate or margin. The mortgage application fee is also refundable at closing. Your annual income can be up to $74,880. Give us a call to see if you qualify for the low and moderate income borrower program!
Need a consultation for your loan?
We’re ready to consult with you on your financial needs.