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

US Small Business Administration Loans (SBA)

As a community Bank and recognized Small Business Administration (SBA) Lender, The First National Bank of Elmer works with the SBA to approve small business loans for real estate, equipment purchases, machinery, inventory, working capital, expansions, and/or acquisitions. Our team of experienced commercial lenders understand your unique needs and are committed to tailoring loan terms and conditions to meet your individual business goals.

For additional information regarding SBA loans, please contact our Commercial Lending Officers at (856) 358-7000 extension 0500.

Home Equity Loans

The First National Bank of Elmer offers a complete line of 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

All of our Home Equity Loan products feature:

  • FAST Approval
  • Lowest Rates Available
  • Automatic Debit 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 branch locations.

Let’s Get Started!

NMLS #410762

Residential Mortgages

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.

Let’s Get Started!

NMLS #410762

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
  • Elizabeth K. Hulitt, SVP/Senior Loan Officer, NMLS #1482854, Pittsgrove Branch
  • Timothy K. Anderson, VP/Commercial Loan Officer, NMLS #613859, Elk Branch
  • Ray C. Garcia, VP/Commercial Loan Officer, NMLS #1376879, Upper Deerfield Branch
  • Michael A. Penk, NMLS #662862
  • Kevin C. Cunningham, AVP/Retail Lending Officer, NMLS #710035, Elmer-Loan Operations
  • Theresa Radcliffe, Mortgage Processor, NMLS #712178, Elmer-Loan Operations
  • Joanna M. Penman, SVP/Chief Banking Officer, NMLS #472499, Retail Operations 
  • Hyacinth Mason, Asst Cashier/Branch Manager, NMLS #622892, Elk Branch
  • Joann Calvarese, Asst Cashier/Branch Manager, NMLS #1036044, Pittsgrove Branch
  • Ruth C. Thibault, Branch Manager, NMLS #1524294, Elmer Branch
  • Barbara A. Sanza, Asst Cashier/Branch Manager, NMLS #1524784, Upper Deerfield Branch
  • Joan C. Newkirk, Asst Cashier/Branch Manager, NMLS #1520191, Harding Branch
  • Tracy L. DeLussa, NMLS #1799028

If there are any questions, please contact Steven A Botto, VP/Risk Officer at 856-358-7000 x1119.

Let’s Get Started!

The links to our lending forms and applications are below:

Loan Applications

Lending Forms

Please contact our Loan Department to speak with a representative to answer any questions and to submit your application at:
856-358-7000 ext. 0500.

The First National Bank of Elmer
Loan Operations Center
PO Box 980
6 S Main Street
Elmer NJ, 08318

Loan Center Hours
Monday – Friday
8:30am – 5:00pm

NMLS #410762