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!

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