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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%

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Kelly Baptista

Loan Processor

NMLS #: 1462996
Office: 973-344-5125, ext. 138
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

Kelly Baptista graduated from Rutgers University in 2014 with a business degree.  In June of that same year she started as a teller with Lusitania Savings Bank.  Within 3 months, Kelly moved up to the Lending Department as a Loan Clerk, and in 2016 became a Registered Residential Mortgage Loan Originator.

Through her work as a Loan Clerk and as a Loan Processor she has dealt with every detail involved in the mortgage process from application day to closing and finally through the day a customer successfully pays off their loan.

She can help you with any concerns you may have, be they questions about payments made for real estate taxes and insurance or questions about the typical process in an application for the purchase of your first home.  Kelly is here to find answers for all your mortgage questions.

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 rates. I am only a phone call away if you need help. Contact us at 973-344-5125, ext. 138.

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