30 Year Fixed Rate Mortgage


Maybe the home of your dreams is within reach!

Buying a home is one of life’s most exciting opportunities. We are proud that generations of families have relied on Bogota Savings Bank to help with their mortgage needs. At Bogota Savings Bank, we know that each of our customers’ borrowing needs are unique and therefore provide a variety of mortgage products. Our lending experts take the time to understand your specific situation so that we can match you with the right lending package. Whether you’re purchasing your first or second home, looking for a larger home, downsizing or refinancing your current mortgage, Bogota Savings Bank has the right loan for you.

A Proven Partner Throughout the Entire Lending Process

When you make the decision to purchase a home – whether it’s your first or fifteenth – you need a financing partner who is not only knowledgeable and experienced, but committed to you, as well as your closing. As a true community bank with more than a 125-year history, Bogota Savings Bank has a long-term investment in our neighbors and their dreams. We are ready to be your partner throughout the entire mortgage process – from application to closing – and ensure a simple and smooth experience.


Get these rates now!

  • 6.875% - $6.57 per thousand, per month*
  • 7.047% APR**


How To Apply

For more information and for a mortgage application, visit your local branch or call (201) 862-8260 Ext 1124. You can also choose to take advantage of our Online Application or download a hard copy of our Mortgage Application.

Apply Online View All Residential Mortgage Rates

Maximum loan to value (LTV) 80% up to $2MM.  LTV greater than 80% to a maximum of 90% has a maximum loan amount of $970,800 and requires private mortgage insurance (PMI) at borrower’s expense. Condo/Townhouses reduce the maximum, LTV by 5%. Loans available on 1-4 family owner occupied dwellings in many NJ counties. Other rates, terms & products also available. Rate valid as of September 28, 2022. *Payment per thousand does not include escrow for real estate taxes or insurance and the actual payment with escrows will be higher. Minimum down payment of 20% required to utilize online mortgage application. Subject to change without prior notice. Subject to all bank underwriting conditions. The bank is not responsible for any errors or misrepresentations. **APR = Annual Percentage Rate. Escrow for real estate taxes is required and escrow for flood insurance may be required. Adequate property insurance is required. Subject to credit and underwriting approval. 



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