Mortgage Loans

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
  • Conventional, U.S.D.A. and FHA Products
  • Jumbo Loans
  • Adjustable Rate Mortgages
  • Construction Loans
  • Construction to Permanent Loans
  • Bridge / Swing Loans


Young couple in new home with man lifting woman,surrounded with unpacked cardboard boxes

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! Equal Housing Lender and Member FDIC NMLS #410762

SAFE Act-NMLS Numbers

Safe Act Registration Disclosure: Secure and Fair Enforcement for Mortgage Licensing Act

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 – 410762
  • Robert R. Bender – 1041930
  • Timothy K. Anderson – 613859
  • Ray C. Garcia – 1376879
  • Michael A. Penk – 662862
  • Charlene Rutherford – 718614
  • Kimberly Robinson – 1460391
  • Anthony Marino – 1486927
  • Kevin C. Cunningham – 710035
  • Julie Allen – 1376494
  • Ruth C. Thibault – 1524294
  • Jodie Serbeck – 1234345
  • Trevor A. Watson – 748446
  • Luis Maldonado – 1747032
  • Lisa Vargas – 1593707

Loan Applications

Lending Forms

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