We’ve built the most convenient home loan service ever!
Here’s how it works:
1. You’ll complete our online application.
The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. After your application is reviewed and disclosed we’ll ask you for a deposit to cover the cost of the appraisal, flood certification, credit report, and title binder (as applicable) so that we can begin to process your request immediately.
After your application is completed, a Loan Processor will contact you to introduce themselves and to answer any questions you may have. Your Loan Processor is a mortgage expert and will provide help and guidance along the way.
If you are purchasing a new home, the Loan Processor will also contact your attorney and/or settlement agent so that they’ll know who to contact with questions.
2. We’ll send you an application package and prepare your loan for closing.
The application package will be sent to you and will contain papers for you to sign and a list of items we’ll need to verify the information you provided about your finances during the online application.
We’ll order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. Sometimes the appraiser will need to view the home; sometimes they are able to do their evaluation from the street.
Once your loan is approved and committed, title insurance will be necessary. We’ll work with the attorney and/or settlement agent to insure the title work is ordered as soon as possible. If you have selected our inhouse refinance option we’ll take care of ordering the title work for you. We’ll use the title insurance policy to confirm the legal status of your property and to prepare the closing documents.
3. We’ll contact you to coordinate your closing date.
After we receive your application package, the appraisal, and the title work, we’ll contact you to schedule your loan closing. If you are purchasing a home, we’ll also schedule the closing with your attorney and/or settlement agent.
The closing will take place at the office of a title company or attorney in your area who will act as your agent. A few days before closing your Loan Processor will contact you to walk through the final information.
That’s all there is to it! Apply Now and you will be on your way to the most convenient home loan ever!
Please be aware email is not a secure method of communication. Do not use email to send us confidential or sensitive information such as passwords, account numbers or social security numbers. If you need to provide this type of information, contact us by phone, fax or regular mail.
Fax
973-344-6713
Address
Lusitania Savings Bank
107 Pulaski Street
Newark, NJ 07105
At Lusitania Savings Bank, we use leading-edge technology to ensure that all customer information is 100% safe. We protect our customers by using a combination of security measures that are among the best in the e-commerce industry.
Encryption
All customer information is encrypted using Secured Socket Layer(SSL) technology supported with digital certificates provided by Starfield Technologies. This means that your loan application information is safe and secure as it travels over the Internet.
Authentication
By clicking on the seal below, customers can confirm they are connected to the genuine Lusitania Savings Bank site. Participation in this program reflects our company’s strong commitment to conducting secure commerce over the Internet.
Website Security
Lusitania Savings Bank uses leading firewall and network security technology to protect our internal computer systems from unauthorized access. In addition, our site passes intensive daily security scans by a third party, McAfee, the largest dedicated security company in the world. These scans test for possible unauthorized personal information access, links to dangerous sites, phishing and other online dangers. McAfee helps to protect you from identity theft, viruses, spyware and other online threats. The seal below certifies that our website has passed these tests.
McAfee Cloud Secure sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams
You can be confident that your personal information is completely safe and private during and after you complete our online application. If you have any questions or concerns regarding the security of your loan information, please email us at [email protected].
We may modify these Terms of Use.
Lusitania Savings Bank reserves the right to change the terms, conditions, and notices under which the Lusitania Savings Bank site is used. You are responsible for regularly reviewing these Terms of Use.
This site is designed for your personal use.
The Lusitania Savings Bank web site is for your personal use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from the Lusitania Savings Bank site.
Your personal information will be secure and will be kept private.
Lusitania Savings Bank has developed policies and procedures to protect your personal information. Please refer to our Privacy Policy and Site Security pages for further information.
Email is not a secure method of communication.
Keeping your information confidential and secure is as important to us as it is to you. Be aware that any emails you send are not secure. Do not email any confidential information such as passwords, account numbers, credit card information or social security numbers. That type of information should be provided to us by phone, fax or regular mail.
Application fees will not be charged until you agree to continue the application process.
There is no charge to you to complete an application. Fees will only be collected when you determine you would like to continue the application process. For more information about the Loan Process, please refer to the What To Expect page for further details.
Links to third party sites are provided for your convenience.
The Lusitania Savings Bank site may contain links to other Web Sites (“Linked Sites”). The Linked Sites are not under the control of Lusitania Savings Bank, so Lusitania Savings Bank is not responsible for the contents of any Linked Site, including any link contained in a Linked Site, or any changes or updates to a Linked Site. These links are provided to you only as a convenience, and the inclusion of any link does not imply endorsement by Lusitania Savings Bank of the site.
Conditions of Use
As a condition of your use of the Lusitania Savings Bank site, you warrant to Lusitania Savings Bank that you will not use the Lusitania Savings Bank web site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Lusitania Savings Bank web site in any manner which could damage, disable, overburden, or impair the Lusitania Savings Bank web site or interfere with any other party’s use of the Lusitania Savings Bank web site.
