
Ridgewood Savings Bank Benefits
Free pre-qualifications!
Our free mortgage prequalification will let you know before you start shopping how much you can
afford based upon the information provided to us; saving you time, allowing you to shop with
confidence, and maybe even saving you money. Plus when sellers, builders, or Realtors know
you’re pre-qualified for your home financing, they can treat you as a preferred buyer.
Confused about which program to choose?
We offer a variety of loan options to choose from including fixed rate mortgages and adjustable
rate mortgages. We offer easy to understand explanations of each program on the site and Barbara
is always just a call or e-mail away!

Quick Quote
Find a loan thats right for you. Search our rates to find your own personalized quote..

Home Equity
Make the equity in your home work for you. Apply for a home equity loan or line of credit. Use the money to remodel your home, consolidate debt, take a dream vacation, or buy a new car.

Mortgage Calculators
Whether you are considering purchasing a new home or deciding if it is the right time to refinance, use our calculators to help you make your decision.
Today's Featured Rates
*For loan amounts up to $750,000.
10 Year Fixed Rate
Rate
APR
Points
5.750%
5.970%
0%
15 Year Fixed Rate
Rate
APR
Points
5.875%
6.031%
0%
20 Year Fixed Rate
Rate
APR
Points
6.125%
6.250%
0%
30 Year Fixed Rate
Rate
APR
Points
6.375%
6.470%
0%
5 Year Adjustable
Rate
APR
Points
5.875%
6.498%
0%
7 Year Adjustable
Rate
APR
Points
6.000%
6.458%
0%
10 Year Adjustable Rate
Rate
APR
Points
6.125%
6.432%
0%
15 Year Adjustable Rate
Rate
APR
Points
6.250%
6.429%
0%
Rates subject to change for loan amounts greater than $750,000 up to $3,500,000