Kids playing on the floor at home

1/2 Pay Mortgage®

Seeing the ample benefits to borrowers early on, Amboy was the first lender in the state of New Jersey to offer a biweekly mortgage, which has become our signature product. 

  • Make half a payment every two weeks, instead of once a month
  • Pay off mortgage sooner, build equity faster, and save on interest expense
  • Select from terms of 10 to 30 years
  • Jumbo mortgage available
couple on bike

Interest Saver Plus

Reduce interest costs and build up equity in your home. Make optional pre-payments in addition to your monthly payment, but "re-borrow" a portion of the equity you have built up whenever you have a need! Great for those who want to build more equity, but want access to funds in case of emergencies or any other use.

  • "Re-borrow" a portion of the equity you have built up
  • Fixed rate term for 20 years
  • Jumbo mortgage available
suburban house

Zero Cost Refi

With no money out of pocket, you can save thousands of dollars by refinancing with Amboy’s Zero Cost* 15-year refinance program. Also, our 1/2 Pay Mortgage®, which is paid biweekly, shaves off years of payments, allowing you to build equity faster and save thousands in interest.

  • Save thousands in fees
  • Fixed rate term for 15 years
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Monthly Mortgage

If circumstances prevent you from making mortgage payments every two weeks, our monthly mortgages have you covered.

  • Select from terms of 10 to 30 years
  • Fixed or adjustable rate
  • Jumbo mortgage available
Older couple with home under construction

“One Time Close” Construction Loan

Ready to build your new home? Get a construction line and a permanent mortgage with only one closing!

  • Quick commitment
  • Free loan rate lock
  • Choose the mortgage that is best for you
African American couple walking into first home

First-Time Homebuyer Program

Amboy Bank takes pride in helping our first-time homeowners with special programs designed to make buying your first home more affordable. When you choose Amboy, you’ll receive low down payment options, competitive interest rates, and personalized guidance. Learn more about our three unique products, exclusively for first-time homebuyers:
  • Family Helping Hand Mortgage
  • Helping Hand Mortgage
  • 1/2 Pay Mortgage for First-Time Homebuyers