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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
James Cha NMLS # 180502
Robyn Clancy-Merwede NMLS # 896943
Denise DeFlorio NMLS # 1566906
Peter DeVico NMLS # 93850
Joseph L Ennis Jr. NMLS # 61431
Sherri J Grayson NMLS # 974419
Robert G Marcantonio, NMLS # 87096
Andrew Muro NMLS # 416554

Mark O'Sullivan NMLS # 248546
Eugene Park NMLS # 575818
Francesco Perez NMLS # 93879
Kathy Petryk NMLS # 629532
Jose Placencio NMLS # 1471814
Joseph Sainato NMLS # 768658
Scott Scarpelli NMLS # 243165
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.

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