Home Mortgages

Fixed Rate Mortgage

With Ridgewood Fixed Rate Mortgages, you'll know the exact amount of your principal and interest payments over the life of your home loan. Enjoy the security and peace of mind knowing your interest rate will never change over the entire life of the loan.

• Choose terms from 10 to 40 years
• Financing available up to 97% of the home's purchase price

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Adjustable Rate Mortgages

Ridgewood's Adjustable Rate Mortgages provide you with a lower initial interest rate. Because of the lower initial rate, your monthly payment will be lower in the beginning. Later, you'll benefit from our low interest rate caps at each adjustment period.

• Choose loans from 1/1, 3/1, 3/3, 5/1, 7/1, or 10/1
• Take up to 30 years to repay
• Conversion option to a fixed rate available

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Affordable Housing Programs

Ridgewood offers First Time Homebuyer and Affordable Housing Programs at terms you can live with. If you have limited money for a down payment, we offer access to a wide range of programs that are tailored to your needs. Borrowers with low to moderate incomes will enjoy many flexible options with these programs. Programs Include:

• SONYMA: Programs financed by the State of New York Mortgage Agency.
• Ridgewood's unique Affordable Housing Program

Mixed-Use Residential Mortgages

Ridgewood's loan programs for mixed-use properties allow you to enjoy lower monthly payments and closing costs when compared to a commercial loan.

• 15, 30 year fixed and 30 year bi-weekly terms
  
• Available in the 5 Boroughs and Westchester
• 1 to 3 residential units over a storefront business may qualify
  

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For more information on our Products, Contact us or call 866 - RSB - 4111