Residential Mortgages

Buying or refinancing? We know it’s not easy. That’s why at Highlands State Bank we’re committed to helping you find a mortgage loan that fits your needs.

At Highlands State Bank our experienced and professional Mortgage Consultants will guide you through the process of choosing and getting the loan that meets your needs.

Fixed Rate Mortgages

We offer a variety of fixed rate mortgages to fit your needs, call us today at
1-844-252-1337 to discuss the terms available.

USDA Rural Development Home Loans

This government sponsored housing program offers an alternative to traditional home loans. These loans offer 100% financing with no down payment and flexible credit guidelines. Call us today at 1-844-252-1337
to see if you qualify.

Home Buyers Resources

Are you a first-time homebuyer? Looking for more information before
you make the call to begin the mortgage process? Call us today at
1-844-252-1337 to receive free information and resources for home
buyers, and to schedule a free mortgage consultation.

National Mortgage License Information

Highlands State Bank Company ID: 472214

Ron Akromas MLO # 221407
Frank O Barber MLO # 221255
Julie Boerner MLO # 629524
Jose Placencio MLO# 1471814
Phil Caggiano NMLS # 1004379
Louis D’Angelo MLO # 221333
Peter A D’Angelo MLO # 885309
Jennifer DeCeglie MLO # 1153544
Joseph L Ennis Jr. MLO # 61431
Roger C Gardner, MLO # 374036
Sherri J Grayson MLO # 974419
Steven P Haft MLO # 296547
Kevin J Kattine, MLO # 279444
Robert G Marcantonio, MLO # 87096

Kiyomi "Kate" Matsuda MLO # 256435
Vincent Morino MLO # 1441783
Dawn M Morris MLO # 1175868
Denis Nevin MLO # 341978
Dominic Padula NMLS # 980503
Kathy Petryk MLO # 629532
Michael L Potoczak MLO # 966993
Jose Quintero MLO # 898881
Renato Rosas MLO # 237774
Denise Spina MLO # 1566906
Daniel Sterba MLO # 577879
Thomas Watkins MLO # 221293
Mary Ziegler MLO # 771046

For billing error inquiries, please mail to:
Highlands State Bank
Attn: Loan Department
P.O. Box 160
Vernon, NJ 07462


Please fill out the form below and a representative will contact you with information about the Residential Mortgages we offer.