Dream Mortgage | Lakeland Bank

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The dream may be big, but the process can be simple. Whether you’re applying for a mortgage for the first time, a seasoned home buyer, or want to refinance your current home, our team of dedicated mortgagees representatives are here to help guide you through it. Connect with a Lakeland Mortgage representative today.

Choose the term that suits your financial needs.

15-Year Fixed Rate

6.875% >^RATE*

7.059% >^APR*

30-Year Fixed Rate

7.375% >^RATE*

7.491% >^APR*

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Join one of our interactive webinars and events that are designed to answer your questions and guide you along the journey to homeownership.

Evaluate what size mortgage loan you can afford and discover ways to improve your finances if you’re not exactly where you want to be before buying a home.

Mortgage Calculator

The loan amount, interest rate, and term of the mortgage can dramatically impact the total amount you eventually pay for your property. Use our mortgage calculator to see the impact of these variables.

Annual Taxes

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Property taxes and interest rates can vary by location. Enter the yearly property taxes for the property you are interested in.

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Home Insurance

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Did you know the price of your home can affect your interest rate and the loan type that you're eligible for? It's also used to figure out your loan-to-value (LTV) ration, another factor that affects your interest rate.

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Home Price

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Did you know the price of your home can affect your interest rate and the loan type that you're eligible for? It's also used to figure out your loan-to-value (LTV) ration, another factor that affects your interest rate.

Home Price Range

Down Payment

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The down payment is the money you pay upfront for your new home. You'll usually need a down payment of at least 3%. FHA loans require at least 3.5% down, and VA loans can have 0% down.

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Interest Rate

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Your interest rate will vary based on a number of factors: home price, down payment, credit score, and even location.

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Principal & Interest

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Download Our Guide To Home Buying

Buying a house is an exciting and often overwhelming process. That's why our mortgage experts put together a comprehensive guide to help you every step of the way. From knowing how much home you can afford, right through to closing, everything you need to know is all here in our guide.

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Mortgage Solutions

Every journey to the front door is unique. Explore our mortgage options to find the best solution for you.

Mortgage Calculators

Welcome to the adventure of homeownership! Our calculators are here to help along the way.

Learn More - Mortgage Calculators

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

*Annual Percentage Rate (APR) Effective Date April 20, 2024. 15 and 30 year fixed rates are based on: $300,000 loan amount, a minimum credit score of 740, 75% LTV, primary residence, single family detached in New Jersey, first lien mortgage without subordinate financing, and with escrows for taxes. Rates may be higher for refinancing of subordinate liens and/or cash-out transactions. Loans over 80% LTV require Private Mortgage Insurance (PMI). Rate Lock periods are 50 days for purchases and 50 days for refinances. 15 year fixed mortgage monthly payment example is 180 equal and consecutive monthly payments of $2,675.56³ >. 30 year fixed mortgage monthly payment example is 360 equal and consecutive monthly payments of $2,072.03³ >. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Rates are subject to change.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

*Annual Percentage Rate (APR) Effective Date April 20, 2024. 15 and 30 year fixed rates are based on: $300,000 loan amount, a minimum credit score of 740, 75% LTV, primary residence, single family detached in New York, first lien mortgage without subordinate financing, and with escrows for taxes. Rates may be higher for refinancing of subordinate liens and/or cash-out transactions. Loans over 80% LTV require Private Mortgage Insurance (PMI). Rate Lock periods are 50 days for purchases and 50 days for refinances. 15 year fixed mortgage monthly payment example is 180 equal and consecutive monthly payments of $2,675.56³ >. 30 year fixed mortgage monthly payment example is 360 equal and consecutive monthly payments of $2,072.03³ >. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Rates are subject to change.

Lakeland Mortgage is a Division of Lakeland Bank.