Skip to content


What makes a house a home? Lots of love and a mortgage you can live with (and pay off). Finance your home with Garden Savings today.

Key Features

  • Competitive Rates
  • Free Pre-Approval
  • Refinancing Available
  • Competitive rates for the purchase or refinance of a home
  • Available for primary residences and second homes
    • Flexible fixed-rate term options of 15, 20, or 30 years
    • Adjustable-rate (ARMs) option of 30 years1
    • Homebuyer special available to reduce application fees (see tab for more details)
  • Easy pre-approval process for additional confidence when shopping for a home
  • Refinance your current property to potentially lower your rate and monthly payments
  • Mortgage specialists with experience in the local real estate market
  • Simple, hassle-free process supported by our local decision making and processing
  • Detail-oriented mortgage specialists who answer your questions in a timely fashion 

Add an extra layer of protection

When it comes to securing your purchase, it’s nice to have additional peace of mind. Learn about the convenient coverage options our partners at TruStage Insurance can provide.


Pay your loans from an outside account2.

1The rate is fixed for a specific time period, and then is subject to change. We have one, three and five-year fixed periods available. Your rate can never increase more than 2% per year, with a life cap of 6% above the original rate.

2Please be advised that payments made from outside accounts take 2-4 days to post to your account.

Refinance Your Mortgage for $444

It's Back! Our Mortgage Refinance spectacular has been reinstated. Refinance Your Mortgage for $444 ... and not a penny more.

Have you been waiting for the perfect time to refinance your first mortgage? Have rates been tempting you but closing costs have been holding you back? Well wait no more. You can now refinance your New Jersey home with total closing costs of $444 … and not a penny more.1

We are waiving all of the closing costs associated with our normal mortgage refinances except for this one-time fee of $4441. Plus, you'll have the confidence and peace of mind to know that you are working with people you trust at your own credit union and that you'll be getting a great low rate on your mortgage as well. In fact, mortgage rates remain at the lowest they've been in years.

This limited time only offer will not be around forever so contact our mortgage professionals today at 973-576-2000 and follow the prompts for the loan department to get the process started immediately. You can also apply online.


1This special program is available for the refinance of a single or two family, owner occupied home in NJ. $444 fee is due upon submission of application. Standard charges such as daily interest and escrow deposits are NOT considered closing costs and may be incurred by the member. Other restrictions apply. All loans subject to approval. Garden Savings is an equal opportunity lender. Maximum loan to value ratio on the property with the new loan cannot be greater than 80%. Other programs exist for properties in Pennsylvania and New York. Contact our loan department for details. All loans subject to approval. Rates determined by credit worthiness. We do business in accordance with the Federal Fair Housing Law.  We are an Equal Housing and Equal Opportunity Lender.  Available only for single-family, owner-occupied properties and approved condominiums. Minimum loan amount of $100,000. Investment properties and co-ops are not eligible. Applicant will be responsible at closing for payment of interim interest and for funding an escrow account for real estate taxes and insurance; real estate taxes, homeowner’s insurance and Private Mortgage Insurance if applicable may also apply. Applicant will also be responsible for payment of all settlement items between applicant, as buyer, and seller for the purchase of the applicant’s home, and for applicant’s attorney fees. Cannot be combined with other offers. Subject to credit approval and title qualifications. Additional terms and conditions apply. We require a 20% down payment on your purchase. Down payments less than 20% are acceptable but require the purchase of Private Mortgage Insurance (PMI).