Residential Mortgage Loans

Whether you're buying a home or refinancing your current loan, NVE Bank offers competitive rates, a full range of flexible mortgage products and award winning customer service to ensure that you choose a product that makes the most sense for your lifestyle needs.


$549 Cash Back at Closing

Buying a home or refinancing?  NVE can help you trim your costs.  We're offering $549 Cash Back at closing for applications received by December 31, 2018*

* Limited time offer.  May be withdrawn at any time and is not valid with any other offer.  Restrictions may apply.  Subject to credit approval.  Does not apply to Home Equity Loans or Lines of Credit.



Fixed Rate Mortgage Loans

The Fixed Rate Loan offers you the stability of a fixed interest rate with the benefit of having the same principal and interest payment over the lifetime of the loan. NVE offers terms of 30, 25, 20, 15, 10, or even 7 years to repay your loan.

Adjustable Rate Mortgage Loans

Adjustable Rate Mortgage Loans offer a lower introductory interest rate with lower interest and principal payments for a predetermined initial period. After the initial period, the interest rate and principal payment can go up or down on an annual basis until your loan is repaid.

Community First Home Mortgage Program

The Community First Home Mortgage Program is designed to make home purchase or refinancing more affordable for the local heroes who give back to Bergen County communities every day. The program offers Bergen County public sector employees discounts on fees as well as an interest rate discount to qualified applicants. Eligibility and restriction requirements apply.

First Time Home Buyer Mortgage Loans

NVE Bank can help turn your dream of home ownership into a reality. Our First Time Home Buyer Mortgage program can help qualified buyers purchase a home with a down payment as low as 5%. Eligibility and restriction requirements apply.

Residential Construction Loans

Building the home of your dreams? NVE can provide you construction loan financing so you can turn your dream into a reality.

For more information on any of our residential mortgage loans, please contact one of our Mortgage Professionals at 1-866-NVE-Bank (1-866-683-2265) or e-mail us at 

Mortgage Loan Originators

Nationwide Mortgage Licensing System Lender Originator ID #733094

  • Olena Shumilin Identifier #132104
  • Dawn Mercado Identifier #1673435
  • Vasilios Ziangos Identifier #32002
  • Elaine McGee Identifier #637899
  • James Mazzola Identifier #445146

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