Fixed-Rate Mortgages
If you're looking for the security of fixed monthly mortgage payments, then a fixed rate mortgage with competitive rates and low closing costs is for you. Our experienced loan professionals will help you find the loan best suited to your needs.  Our lending territory includes Staten Island and New Jersey.

30-Year Fixed-Rate Mortgage: 
•  Lower monthly payments.
•  Locked-in interest rate.
•  Stable, uniform payments.
•  BI-weekly payment option available.

10- or 20-Year Fixed-Rate Mortgage :  
•  Pay less interest.
•  Build equity faster by making higher payments.
•  Lower, locked in interest rate.
•  Stable, uniform payments.
•  Bi-weekly payment option available.

Adjustable Rate Mortgages (ARMs)
Borrowers seeking the best of both fixed and adjustable rate mortgages can find it with Northfield's Adjustable Rate Mortgages which is fixed for a predetermined number of years and adjusts thereafter.  The principle can be amortized over a term of your choice, up to 30 years.

Online Mortgage Application
Apply online for a residential mortgage 24 hours a day and get loan decisions in minutes, not days or weeks. Sign up for the rate watcher email program and even apply for a free mortgage prequalification. Click here to get started!

First-Time Homebuyer Mortgages
Northfield Bank, in conjunction with the State of New York Mortgage Agency (SONYMA) ® offers long-term fixed-rate mortgages at below-market rates, with low monthly payments and a low down payment. Northfield is a leader on Staten Island in these truly remarkable mortgages. SONYMA ® loans are limited to properties in the State of New York. Certain other restrictions apply. Click here to visit the SONYMA ® website for more details on income and purchase price limits, then let a Northfield lending professional help you through the application process.