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Loans & Mortgages

People are the backbone of our community and Manasquan Bank is fully invested in doing whatever we can to help individuals and families thrive financially. We have unparalleled experience and expertise and flexibility to help you obtain the home lending you need.

Residential & Consumer COVID-19 Relief Assistance

Mortgage Loans

The Mortgage and refinancing process can be daunting, but know that when you work with Manasquan Bank, you’re not alone. Throughout the process, you’ll always have a friendly, knowledgeable associate you can call directly and meet with face-to-face. Reach out today to see how we can help you.

Looking to Purchase your dream home? Manasquan Bank offers a full array of products to best fit your needs whether purchasing or refinancing




Manasquan Bank offers some of the best home loans in NJ for low- and moderate-income borrowers, including Fixed Rates, Adjustable Rates, or Bi-weekly loans. Plus, when you connect your loan to automatic payments from a Manasquan Bank checking account!

Benefits of a HomeStart Loan include:

  • With 15% down, no PMI and no increase to interest rate
  • 1/8% off normal margin on Adjustable Mortgage Loans
  • Application fee refundable at loan closing
  • No hidden fees
  • Income limits apply

If you are a first time homebuyer, we have you covered with HomeStart!

Construction Loans

Whether it’s a new construction or a much-needed home renovation project, Manasquan has the experience, tools, and agility to make your dream home a reality. With flexible funding, fast approvals, competitive rates, and more, we provide superior service and customized solutions you just won’t find anywhere else.

  • Single construction to permanent loan closing
  • 12-month interest rate lock
  • Flexible draw schedule
  • Available for both stick built and modular homes

Building Lot Loans

Manasquan Bank has specialized in Building Lot Loans for as long as we’ve been around—that’s more than 140 years! Designed specifically for New Jersey residential-zoned properties, our unique building lot loans deliver an array of benefits merged with the flexibility to build on your timeline and help you secure the land you want immediately, at competitive rates, and with no restrictions on lot sizes or loan amounts.

  • Finance up to 65% of the property value
  • 5/1 ARM and 5/5 ARM options available
  • No existing utilities required

Home Equity Loans & Lines Of Credit

Manasquan Bank offers some of the best home equity loans and lines of credit options in New Jersey. A home equity loan or line of credit can be used for a variety of purposes such as home improvements and renovations, educational costs, or even consolidating other high-interest debt. Manasquan Bank has decades of experience helping homeowners access the equity in their homes and we’re here to help you through the process. Plus, you’ll be eligible for a .25% rate discount when you set up an automatic loan payment from your Manasquan Bank checking account. Our knowledgeable associates are available to call directly or meet face-to-face, if you prefer. Reach out today.

See our Home Equity Loan Rates

Other Lending

Manasquan Bank offers other types of personal lending for your convenience. Contact us today for more details on the following:

Account Loan

Use your savings or CD account as collateral to borrow up to 90% of your balance.

Freedom Loan

The New Jersey Freedom Loan Program offers eligible military personnel and their families a five-year unsecured loan of up to $10,000, with principal and interest deferred during the first year of deployment.

Auto Loan

Our auto loan quickly puts you in the driver’s seat of a new vehicle, with pre-approval service and interest rate discount when you set up autopay from your Manasquan Bank checking account.

Unsecured Lending

Complete a simple application and get fast approval for a personal loan to finance any worthwhile purpose. Even better, sign up for automatic payments from your Manasquan Bank checking account and get an interest rate discount.

Overdraft Line of Credit

Allows you to make purchases with your debit card or write checks even if you don’t have sufficient funds available. Repayment can be made in full upon receipt of your statement or in installments.



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