Photo shows a family unpacking boxes after moving into a new home.

Residential Mortgages

Buying or refinancing? We know it’s not easy. That’s why at Highlands State Bank we’re committed to helping you find a mortgage loan that fits your needs. Our experienced and professional Mortgage Consultants will guide you through the process of choosing and getting the loan that meets your needs.

Fixed Rate Mortgages

We offer a variety of fixed rate mortgages, including FHA and VA loans, loans for Renovation, and Jumbo Loans to fit your needs, call Highlands State Bank today at 1-833-472-5626 to discuss the terms available.

USDA Rural Development Home Loans

This government sponsored housing program offers an alternative to traditional home loans. These loans offer 100% financing with no down payment and flexible credit guidelines. Call Highlands State Bank today at 1-833-472-5626 to see if you qualify.

Home Buyers Resources

Are you a first-time homebuyer? Looking for more information before you make the call to begin the mortgage process? Call Highlands State Bank today at 1-833-472-5626 to receive free information and resources for home buyers, and to schedule a free mortgage consultation.

National Mortgage License Information

Highlands State Bank Company ID: 472214

Julie Boerner NMLS # 629524
Phil Caggiano NMLS # 1004379
James Cha NMLS # 180502
Peter DeVico NMLS # 93850
Joseph L Ennis Jr. NMLS # 61431
Charles Ercolano NMLS # 60071
Sherri J Grayson NMLS # 974419
Steven P Haft NMLS # 296547
Robert G Marcantonio, NMLS # 87096

Eugene Park NMLS # 575818
Francesco Perez NMLS # 93879
Kathy Petryk NMLS # 629532
Jose Placencio NMLS # 1471814
Joseph Sainato NMLS # 768658
Denise Spina NMLS # 1566906
Steven Testa NMLS # 460176
Mary Ziegler NMLS # 771046

For billing error inquiries, please mail to:
Highlands State Bank
Attn: Loan Department
P.O. Box 160
Vernon, NJ 07462

Interested in speaking with a Mortgage Consultant?

Please fill out the form and a representative will contact you with information about the Residential Mortgages we offer.


Access Your Statements Anytime With eStatements!

Photo shows person using keyboard.

View your bank statements anytime with ease by signing up for eStatements! Read more about eStatements here!

Newsletter Signup

Sign up for our emails today to receive information about branch events, closings, and our great products and services.

Community
© 2017 Highlands State Bank, All Rights Reserved