{"id":2559,"date":"2025-11-05T17:10:17","date_gmt":"2025-11-05T17:10:17","guid":{"rendered":"https:\/\/www.crestsavings.bank\/wph\/workarea\/?page_id=2559"},"modified":"2025-11-06T13:56:41","modified_gmt":"2025-11-06T13:56:41","slug":"mortgage-disclosures","status":"publish","type":"page","link":"https:\/\/www.crestsavings.bank\/wph\/workarea\/resources\/ln-rates2\/mortgage-disclosures\/","title":{"rendered":"Mortgage Disclosures"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"mtg-discls\"><strong>Mortgage Program Disclosures<\/strong><\/h2>\n\n\n\n<p><strong>Crest Savings Bank&#8217;s mortgage disclosure:<\/strong>&nbsp;Mortgages are offered and originated by Crest Savings Bank (NMLS ID# 72651). All loans are subject to approval. Offers may be withdrawn without notice.<\/p>\n\n\n\n<p><strong>Mortgage state availability disclosure:<\/strong>&nbsp;Crest Savings Bank provides mortgages in Cape May County, New Jersey.<\/p>\n\n\n\n<p><strong>The construction-to-permanent program disclosure:<\/strong>&nbsp;Crest Savings Bank provides mortgages in Cape May County, New Jersey.<\/p>\n\n\n\n<p><strong>Eligibility property disclosure:<\/strong>\u00a0Eligible properties include owner-occupied 1- to 4-family properties, condominiums, second homes, and investment properties. Ineligible properties include, but are not limited to, cooperatives, mobile homes or manufactured housing.<\/p>\n\n\n\n<p><strong>Automatic payment discount disclosure:<\/strong>&nbsp;To be eligible for a 0.125% rate discount, borrower(s) will be required to have an active Crest Savings&#8217; consumer account set up with automatic monthly mortgage payment deduction enrollment at time of loan origination. E-statement is also highly encouraged. One offer per property. Other exclusions and restrictions may apply. <\/p>\n\n\n\n<p><strong>Sufficient funds disclosure:<\/strong>&nbsp;Deduction account must have sufficient funds to cover the mortgage payment amount at time of automatic payment deduction in order to avoid potential overdraft fees and late mortgage payment charges. Please refer to your account agreement(s) for more information.<\/p>\n\n\n\n<p><strong>FHLB Grant disclosure:<\/strong>&nbsp;Grant to be used toward down payment, closing costs, and\/or prepaids. Borrower income limits, borrower asset limits and property location restrictions apply. Subject to availability of program funds. Subject to program cancellation at any time. Other restrictions apply. Funds may have tax implications and Crest Savings Bank may issue an IRS Form 1099-M. Recipients should consult with a tax advisor.<\/p>\n\n\n\n<p><strong>Wireless disclosure:<\/strong>&nbsp;Wireless carrier, text, and\/or data charges may apply.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"Mortgage Program Disclosures Crest Savings Bank&#8217;s mortgage disclosure:&nbsp;Mortgages are offered and originated by Crest Savings Bank (NMLS ID# 72651). All loans are subject to approval. Offers may be withdrawn without notice. Mortgage state availability disclosure:&nbsp;Crest Savings Bank provides mortgages in Cape May County, New Jersey. The construction-to-permanent program disclosure:&nbsp;Crest Savings Bank provides mortgages in Cape [&hellip;]","protected":false},"author":6,"featured_media":1087,"parent":2511,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-2559","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgage Disclosures - Crest Savings Bank<\/title>\n<meta name=\"description\" content=\"Crest Savings Bank&#039;s mortgage disclosure:\u00a0Mortgages are offered and originated by Crest Savings Bank (NMLS ID# 72651). All loans are subject to approval. 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