$499 Refinance Program

if your mortgage rate is 4.00% or higher, our $499 Refinance Program may help you save!


More Info & Help
$499 Origination Fee (includes all Valley fees)

This special program is available for the refinance of owner-occupied, multi-family homes (1-4 family) in New Jersey and eastern Pennsylvania with no points, no title fees and no other Valley fees. At the time of closing, applicants are responsible for interim interest and funding of an escrow account for real estate taxes and insurance. Other programs, including a $499 Refinance Program in New York and Florida are available.

ProgramInterest RateAnnual Percentage RatePointsMonthly P&I Payment Per $1000
NJ/PA $499 Refi 10 Year Fixed3.750%3.855% APR0 Points$10.01
NJ/PA $499 Refi 10 Year Fixed - Jumbo4.000%4.021% APR0 Points$10.12
NJ/PA $499 Refi 15 Year Fixed3.750%3.823% APR0 Points$7.27
NJ/PA $499 Refi 15 Year Fixed - Jumbo4.000%4.015% APR0 Points$7.40
NJ/PA $499 Refi 20 Year Fixed4.125%4.183% APR0 Points$6.13
NJ/PA $499 Refi 20 Year Fixed - Jumbo4.375%4.387% APR0 Points$6.26
NJ/PA $499 Refi 30 Year Fixed4.250%4.292% APR0 Points$4.92
NJ/PA $499 Refi 30 Year Fixed - Jumbo4.500%4.509% APR0 Points$5.07

Request Info Apply Now

For more information, please visit your nearest Branch office or call our local Customer Service Center at 1-800-522-4100, option 3.

Rates and APRs are valid as of 1/19/2018 and are subject to change without notice.

As of 1/19/2018, a sample $100,000, 15 year fixed-rate conforming mortgage APR is 3.823% with a monthly payment of $7.27 per thousand. APRs are subject to change. Estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in New Jersey and eastern Pennsylvania for single family, owner occupied homes and Valley approved condominiums with a minimum loan amount of $100,000 and a maximum of $1,000,000, and for 2-4 family, owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. Mortgage must be in first lien position. Co-ops and investment properties are not eligible for this program. Other programs are available for other loan amounts and properties. Approved applicants will be responsible at closing for funding interim interest and an escrow account for property taxes and insurances. Cannot be combined with other offers. Subject to credit approval. Additional terms and conditions apply.