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Today's Rates

First Time Homebuyer Loans
First Time Home Buyer 30 Year Fixed
 Rate  APR  Points
 6.990%  7.055%  0.000%
First Time Home Buyer 5/1 ARM Owner Occupied
 Rate  APR  Points
 5.990%  6.434%  0.000%
D.R.E.A.M. Loan Program 30 Yr Fixed
 Rate  APR  Points
 6.990%  7.030%  0.000%
D.R.E.A.M. Loan Program - 5/1 ARM
 Rate  APR  Points
 5.990%  6.411%  0.000%
Community First Loan Program
Community First Loan 30 Yr Fixed, Owner Occupied
 Rate  APR  Points
 6.875%  6.960%  0.000%
Community First Loan 20 Yr Fixed, Owner Occupied
 Rate  APR  Points
 6.750%  6.860%  0.000%
Community First Loan 15 Yr Fixed, Owner Occupied
 Rate  APR  Points
 6.250%  6.385%  0.000%
Community First Loan 10 Yr Fixed, Owner Occupied
 Rate  APR  Points
 6.250%  6.440%  0.000%
NEW LOAN SPECIAL
New Loan Special - 15 Yr Fixed Owner Occupied
 Rate  APR  Points
 6.375%  6.510%  0.000%
New Loan Special - 10 Yr Fixed Owner Occupied
 Rate  APR  Points
 6.375%  6.565%  0.000%
Fixed Rate Loans
30 Year Fixed Owner Occupied
 Rate  APR  Points
 6.990%  7.075%  0.000%
15 Year Fixed Owner Occupied
 Rate  APR  Points
 6.625%  6.761%  0.000%
Adjustable Rate Loans
1 Year ARM Owner Occupied
 Rate  APR  Points
 5.500%  6.599%  0.000%
3/1 ARM Owner Occupied
 Rate  APR  Points
 5.875%  6.512%  0.000%
5/1 ARM Owner Occupied
 Rate  APR  Points
 5.990%  6.453%  0.000%
Home Equity Line of Credit
Home Equity Line of Credit-3/1 ARM
 Rate  APR  Points
 6.875%  6.875%  0.000%

Get Quote

Lorraine Oliveira

Loan Coordinator

NMLS #: 663719
Office: 973-344-5125 ext 129
107 Pulaski Street
Newark, NJ 07105
Business Hours: Mon-Wed 9:00 am-5:00 pm, Thurs-Fri 9:00 am-6:00 pm, Sat 8:30 am-1:00 pm

Lorraine Oliveira's background in banking goes back 24 years.  Her career with Lusitania Savings Bank began in 1998 as a teller while she pursued her studies in accounting and finance, subsequently completing graduate school and obtaining her Master's Degree in 2003 from Fairleigh Dickenson University.

After working in every area of the lending department and becoming a Registered Residential Mortgage Loan Originator in 2011, she now serves as the bank's Loan Coordinator and works with all facets of the industry including buyers, real estate agents, title companies, appraisers, and attorneys to help borrowers secure a loan that suits their budget and goals.

Working diligently with the loan team, she ensures each applicant receives a level of service dedicated to helping them feel at ease with the loan process whether buying their first home, refinancing for better terms, or even just exploring different financing options.

Ready to get started...

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. I will follow up to answer your questions.

Apply Now

My goal is to provide the highest level of service at competitive pricing. I am only a phone call away if you need help. Contact me at 973-344-5125 ext 129. 

Helpful Links:

 If you'd like to learn more about our personalized loan process, visit our What to Expect page for a detailed description of how your application will progress from start to finish.
  
 Already have an application in process? Great! Stay up to date by clicking here for your current Loan Status
  
 Concerned about applying online or about the security of your personal information? Read more about our Privacy Policy and Site Security
  
  Keeping your information safe is a top priority, so if you're still hesitant about applying online just Contact Us directly and we'll get your application started one-on-one.


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