Personal Loans

Home Mortgage Loans

A home is a lot more than just a mortgage payment. It’s a place where you establish a foundation and build memories. That’s why Garden Savings works closely with our members to establish budget-friendly financing that is centered on that very principle. Take advantage of our range of financing options, competitive rates, and localized service that creates a more streamlined and personalized process from start to finish. 

  • 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 years*
  • Jumbo first mortgage loans available
  • 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.

*The 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.

Pay Your Loans from Outside Accounts**

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

Whether you're refinancing or purchasing we've got the right offer for you.  Scroll down for more details!

1) 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!*

We are waiving all of the closing costs associated with our normal mortgage refinances except for this one time fee of $444*. 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 at

* This 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 can not 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 Equaly 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, homeowners 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).

2) Buying a Home?  For a limited time, Garden Savings is offering to refund our $500 application fee at closing!  Apply for your first mortgage today when shopping for a home and take advantage of this great offer.  Call our mortgage department at 973-576-2000 for more details.

It's quick and easy to apply