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 Mortgage Loans

• Fixed Rate Mortgages
• Adjustable Rate Mortgage (ARM)
• Jersey Shore State Bank Portfolio Mortgage
• Government Backed Loans (PHFA, USDA, or Rural Housing)
• New Home Construction Loans
• Lot and Land Loans
• Home Equity Loans
• Home Equity Line of Credit
• Bridge Loans

Choose the the Mortgage that Meets Your Needs
There are several things to consider when choosing your mortgage:

• Do you want the security of a fixed rate, month after month?
• Do you want to start with a lower rate and monthly payment?
• Do you want to pay off your mortgage as soon as possible?
• Do you want to extend the term to lower your monthly payments?

Jersey Shore State Bank Pre-Approval Process
A home may be your ultimate dream, but when deciding on how much you will finance, it's important to keep your feet on the ground. You're making a financial commitment that could last for 30 years.

Do you need a pre-approval to shop for your dream home? Or would you like the security of knowing what you can afford before you negotiate a price for your new home? Call today for a no-obligation pre-approval appointment.

Required Information to Bring When You Complete a Loan Application or Pre-Approval*

• Most recent W2s and tax returns.
• Recent pay stubs for all applicants/wage earners (30-day period).
• Most recent bank statement for all deposit accounts.
• Social Security or award letter for pension income or SS income.
• Current statement of investments.
• Copy of sales agreement (obtain from your realtor).
• Copy of deed and homeowner's insurance if refinancing.
• If a contruction loan - contract, plans, specs, builder allowances and copy of agreement of sale for land (if applicable).
• Application fee. (Not required for Pre-Approvals).

*Based on your individual financial status, this list may not be all-inclusive at time of application.

Contact a Jersey Shore State Bank Mortgage Representative to discuss your home mortgage options. Email jssb@jssb.com or call:

 Personal Loans
Secured and unsecured personal loans are available by talking to your local branch loan officer. Whether you need to purchase an automobile, make home improvements, or purchase other large items, a Jersey Shore State Bank personal loan can help you reach your goals.

 Check Plus
The Jersey Shore State Bank "Check Plus" is a revolving line of credit attached to a Jersey Shore State Bank checking account. The Check Plus is also used for overdraft protection. Funds are automatically deposited in your checking account in $100 increments when you write a check.