Photo shows a lender explaining the terms of a loan to a borrower.

Personal Loans

We understand life happens fast—that’s why at Highlands State Bank our experienced loan officers are committed to getting you the money you need, when you need it.

At Highlands State Bank we’re known for our ability to make quick decisions. That’s because all our loan decisions are made locally. Because our loan officers work and live here too, they’ll understand your needs and the unique challenges facing the community.

Home Equity Loans

Use the equity you’ve built up in your home to finance all of life’s challenges: from home renovations to unexpected medical bills.

Account Highlights

  • Offered at fixed rates and terms
  • Interest may be tax deductible. Consult your tax advisor.
  • View our rates here

Home Equity Lines of Credit

Keep extra money within reach for moments when you need it most by opening a line of credit. You’ll only pay interest on money withdrawn, and your interest might even be tax deductible.

Account Highlights

  • Lines of credit start at $10,000, with a maximum of $200,000
  • Use funds by simply writing a check
  • Interest may be tax deductible. Consult your tax advisor.
  • View our rates here

Installment/Car Loans

Flexible and reliable solutions to purchase a new car or repair old damage.

Account Highlights

Residential Mortgages

Looking to purchase a new home or refinance your current mortgage? Highlands State Bank has the expertise and experience to find you the right loan, whatever your needs may be. See the wide variety of home financing options we have to offer.

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Whether you’re looking to purchase a new car or a new roof, we have the loan to match, and the friendly personalized service to help make it happen. To discuss the various options available visit one of our branches or call our loan department at 973-764-3200 ext. 1111 and let us show you how we can help with all of your financing needs.


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

Get Started.
Contact Us Today.

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

Community Involvement - Totowa

Check out the great things our Totowa branch is doing in the community!

Totowa


Bank Anytime, Anywhere!

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Download our mobile banking app today to take advantage of the ability to bank anytime, anywhere, at your convenience.

Download the mobile app from the Apple App Store or from Google Play for Android Phones. For more information visit your local branch to receive a free demo.

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