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Home mortgages that you can count on.

With a home mortgage from Ridgewood, you can count on our expertise, local community know-how, and always going the extra mile. Now you can buy your dream home with confidence and get the added benefits of no application fee, and no-point mortgage options.

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Fixed Rate Mortgage

With Ridgewood Fixed Rate Mortgage, 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.

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    • Choose terms 10 to 30 years
    • Purchase or refinance
    • Same rate on 1 - 4 Family homes, Co-ops and Condos no add ons
    • Mortgage rate discounts available

    Loan products and services subject to credit approval.

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Adjustable Rate Mortgage

Ridgewood's Adjustable Rate Mortgage provides 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.

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    • Lower initial interest rates and payments
    • Benefit from our low interest rate caps at each adjustment period
    • Purchase or refinance
    • Choose loans from 1/1, 3/1, 5/1, 7/1, 10/1
    • Same rate on 1 - 4 Family homes, Co-ops and Condos no add ons
    • Mortgage rate discounts available

    Loan products and services subject to credit approval.

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Affordable Housing Loan

As a community bank committed to serving homeowners in our area, we offer one of the broadest assortment of Affordable Loan Programs you'll find in New York. We offer affordable housing products not available elsewhere. Our mortgage solutions are designed to fit your individual lifestyle and financial situation, offering greater flexibility, savings, and long-term satisfaction.

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    • No Application Fee
    • No Point Mortgage Options
    • Low down payments
    • Closing cost and down payment flexibility
    • Fixed and adjustable rate solutions
    • Biweekly mortgages
    • Borrow up to 97% of total value with some loan products
    • Qualify even if it's not your first home

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Mortgage Specials

First home, dream home or refinance...we have the right mortgage to fit your needs. We offer a wide range of mortgages and can help with a great rate and personalized service. Plus, you'll enjoy no application fee, no point mortgage options, and rate discounts.

  • View Features

    • No Application Fee
    • No Point Mortgage Options
    • Rate discounts offered—our mortgage rates can be reduced up to .25%

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Mortgage Calculators

Use our mortgage calculators to help answer some of the most common loan questions.

Should I refinance?

How much mortgage might I qualify for?

How much will my fixed rate mortgage payment be?

How much home can I afford?

Should I rent or buy?

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Mortgage Consultants

Ridgewood Savings Bank Mortgage Consultants are available to provide valuable information on the various types of mortgages and the borrower's requirements for each, how to handle the mortgage application process and expert advice on when and how to refinance. They also provide information on home equity loans and home equity lines of credit.

Find a Ridgewood

Mortgage Consultant:

BronxBrooklynManhattanNassauQueensSuffolkWestchester

Mortgage Servicing

At Ridgewood Savings Bank we are committed to providing exceptional customer service to all of our customers. You can access your mortgage information at your convenience, 24 hours a day, 7 days a week using Online Banking or by calling toll-free.

Telephone (855) 752-8461

Customer service representatives are available:

Monday - Friday: 8:30AM - 8:00PM (EST), Saturday: 8:30AM - 5:00PM (EST)

Automated loan information is available 24 hours a day, 7 days a week

Online

With Ridgewood’s Online Mortgage Servicing you can:

  • Make a loan payment
  • Set-up E-Bill registration
  • View current loan information
  • View loan activity
  • View escrow information
  • View tax and interest

 

Access your loan information by logging into Ridgewood's online mortgage service.

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