Loans

Business Loans

The First National Bank of Elmer offers full business banking services, with the most competitive rates and terms available. We understand that the most important service we can provide is a quick answer. The Bank’s Commercial Lending Staff is ready to understand your borrowing needs and to provide quick solutions and flexible terms to meet those needs.

  • Owner Occupied Real Estate
  • Investment Real Estate
  • Agricultural Loans
  • Business Expansion Loans
  • Business Lines of Credit
  • Business Letter’s of Credit
  • Vehicle Loans
  • Term Loans
  • Construction Loans
  • Construction to Permanent Loans

Features

All of our Business Loan products feature:

  • FAST Approval
  • Lowest Rates Available
  • Pre-Qualification Available
  • Flexible Equity Contribution Options
  • Reduced Settlement Costs
  • Customization to Fit Your Financing Needs

Consumer Loans

The First National Bank of Elmer offers a complete line of personal loan products available, at the lowest rates available. We take pride in providing fast and friendly service. The Bank’s Loan Department is fully staffed with experienced professionals ready to understand your borrowing needs and to provide flexible terms to meet those needs.

  • Home Equity Loans
  • Home Equity Lines of Credit
  • Auto Loans (New & Used)
  • CD / Savings Account Loans

All of our Consumer Loan products feature:

  • FAST Approval
  • Lowest Rates Available
  • Automatic Debit Available
  • Pre-Qualification Available
  • Customization to Fit Your Financing Needs

For more information call Kevin C. Cunningham, VP/Retail Loan Officer, NMLS#710035 at 856-358-7000 ext 0523 or stop in to one of our six convenient locations.

Mortgage Loans

The First National Bank of Elmer offers an extensive line of residential mortgage products comparable to any in the country, at the lowest rates available. We take pride in providing fast and friendly service. The Bank’s Mortgage Loan Department is fully staffed with seasoned professionals ready to understand your borrowing needs along with providing flexible terms to meet those needs.

  • Fixed Rate Mortgages With Terms Up to 30 Years
  • Conventional, U.S.D.A. and FHA Products
  • Jumbo Loans
  • Adjustable Rate Mortgages
  • Construction Loans
  • Construction to Permanent Loans – up to 80% financing. Settle quickly and be ready to build.
  • Bridge / Swing Loans

All of our mortgage loan products feature:

  • FAST Approval
  • Lowest Rates Available
  • Pre-Qualification Available
  • Reduced Settlement Costs
  • Customization to Fit Your Financing Needs

Call Kevin C. Cunningham, VP/Retail Loan Officer, NMLS#710035 at 856-358-7000, ext 0523 to solve all of your mortgage needs.

SAFE Act-NMLS Numbers

SECURE AND FAIR ENFORCEMENT FOR MORTGAGE LICENSING ACT-NMLS NUMBERS

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires banks mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS).  A listing of the mortgage loan originators of The First National Bank of Elmer along with their respective unique identifier number can be found below:

The First National Bank of Elmer:   NMLS ID # 410762

  • Robert R. Bender, SVP/Chief Lending Officer, NMLS#1041930, Elmer – Loan Operations
  • Joanna M. Penman, SVP/Chief Banking Officer, NMLS#472499, Retail Operations 
  • Timothy K. Anderson, VP/Commercial Loan Officer, NMLS#613859, Elk Branch
  • Ray C. Garcia, VP/Commercial Loan Officer, NMLS#1376879, Upper Deerfield Branch
  • Theresa Radcliffe, Mortgage Processor, NMLS#712178, Elmer-Loan Operations
  • Kevin C. Cunningham, AVP/Retail Lending Officer, NMLS#710035, Elmer-Loan Operations
  • Elizabeth K. Hulitt, SVP/Senior Loan Officer, NMLS#1482854, Pittsgrove Branch
  • Hyacinth Mason, Asst Cashier/Branch Manager, NMLS#622892, Elk Branch
  • Dawn M. Mizenis, Asst Cashier/Branch Manager, NMLS#684272, Woodstown Branch
  • Joan C. Newkirk, Asst Cashier/Branch Manager, NMLS#1520191, Harding Branch
  • Barbara A. Sanza, Asst Cashier/Branch Manager, NMLS#1524784, Upper Deerfield Branch
  • Ruth C. Thibault, Branch Manager, NMLS#1524294, Elmer Branch
  • Joann Calvarese, Asst Cashier/Branch Manager, NMLS#1036044, Pittsgrove Branch

If there are any questions, please contact Karl A. Towns, Senior Vice President/COO/CRO at 856-358-8141