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Loan Applications

Loan Rates

Fixed Rate Residential Mortgage Terms Available:

Adjustable Rate Residential Mortgage Terms Available:

Home Equity Lines of Credit and
Fixed Rate Home Equity Loan Terms Available:

Mortgage loan amounts in excess of $417,000 are considered jumbo loans. Home Equity loan amounts in excess of $500,000 are considered jumbo loans. Jumbo loans are available at varying rates. Please contact one of our loan representatives at (609) 223-8340 for details.

Collateral: First or second mortgage lien on primary or secondary residence (for example, vacation home).

Homeowner's insurance is required.

Flood insurance is required for any property in a designated flood zone.

Subject to Credit Approval.

Scroll down for more detailed information and to apply for Fixed Rate Mortgages, Adjustable Rate Residential Mortgages, Fixed Rate Home Equity Loans and Lines of Credit.

Information:

What information do I need to complete the application?
- Mortgage Application Checklist
- Home Equity Application Checklist

If you prefer to print the Residential Loan Application using Adobe Reader, please follow these directions. If you do not have Adobe Reader, you may obtain the free software now

Rates and terms subject to change without notice.

Call 1-888-440-ROMA (7662) for complete rate information

On Line Approval not available for Home Equity Loans/Lines of Credit

Rates as of Tuesday, May 14, 2013
Product Description	Points	Interest Rate	Annual Percentage Rate	Payment per $1000
Fixed Rate Mortgage Loans** Based on your credit score and LTV, there could be additional pricing add-ons to these rates.
10 Years	0.000	3.000%	3.209%	$9.66
15 Years	0.000	3.000%	3.144%	$6.91
20 Years	0.000	3.625%	3.739%	$5.86
30 Years	0.000	3.750%	3.832%	$4.63
Adjustable Rate Mortgages -- T-Bill Index** APR applies to loans with a maximum loan-to-value of 80% APR will be higher for LTV from 81% - 90% (PMI is required)
1 yr. / 1 yr.	0.000	2.500%	2.577%	$3.95
3 yr. / 1 yr.	0.000	2.625%	2.702%	$4.02
5 yr. / 1 yr.	0.000	2.750%	2.828%	$4.08
7 yr. / 1 yr.	0.000	2.875%	2.953%	$4.15
10 yr. / 1 yr.	0.000	3.625%	3.707%	$4.56
Home Equity Loans
5 Year Home Equity Loan First Lien Only	0.000	3.125%	3.125%	$18.02
10 Year Home Equity Loan First Lien Only	0.000	3.625%	3.625%	$9.95
15 Year Home Equity Loan First Lien Only	0.000	4.000%	4.000%	$7.40
20 Year Home Equity Loan First Lien Only	0.000	4.990%	4.990%	$6.59

Rates as of Tuesday, May 14, 2013
Product Description	Points	Interest Rate	Annual Percentage Rate
Home Equity Line of Credit
Home Equity Line of Credit	0.000	2.750%	2.750%

Roma Bank
2300 Route 33
Robbinsville, NJ 08691
NMLS# 789538

Mortgage Loan Originator	NMLS Number
Jesus Amistad	802805
Marilyn A. Barber	39140
Joe Barnaba	801136
Michelle Boracci	826908
Patricia D'Amico	93166
Tom Eagan	802261
Maris Fischer	826919
Jack Fithian	805104
Jason Fowler	197533
Pat Jachetti	825572
James Kelly	293680
Jane Mann	801556
Billie Jo Rhodes	990267
Randy Spurgin	806327
Kim Treiber	831251
John Weber	802112
John Whyno	135148

Adjustable Rate Mortgages have a term of 30 years.
One, three and five year ARMs have caps of 2% per adjustment, 6% lifetime.
Seven and ten year ARMs have a first adjustment cap of 5%,
thereafter 2% per adjustment, 6% lifetime.

Loan with loan-to value (LTV) of 81-90% require Private Mortgage Insurance.
Condominiums 75% LTV First Lien

**All mortgages have an application fee of $300.

First Home Club - No application Fee.

Home Equity Loan Rates assume autopay from a Roma Bank deposit account.
HELOC with autopay is Wall Street Journal Prime.
Early termination fees apply.

Additional terms and conditions may apply.