Personal Loans & Mortgages

Your dream home starts here.

New Homebuyer Family

Purchasing a Home

Residential Mortgages

Whether you're a first-time homebuyer, experienced buyer or looking for an investment property, at Ponce Bank, we understand that buying a home is more than just a purchase; it's the start of a new chapter filled with joy, challenges, and lasting memories.
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New Homeowners unpacking

Planning for the big event

A young couple on their wedding day

Personal Loans

Whether you are planning to buy a car, throw a wedding or go on a big vacation, a personal loan is a great financing option for you to put your plan into action.

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Business Meeting

Fund a home improvement project

Making repairs on your home

Home Equity Line of Credit (HELOC)

Do you own a property? HELOC lets you put your home as collateral to secure lower rates for the line of credit.

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1-4 family residence is a residential property with up to 4 units. By living in one of the units and renting out the rest, the property can be both your primary residence and your source of income to help cover your mortgage and build wealth. We are ready to work with you to help you reach your goals.

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NYC Brownstones

Fixed Rate Mortgage Loans

A fixed-rate mortgage

A fixed-rate mortgage has the same interest rate throughout the term of the loan.  Homeowners who choose a fixed-rate loan often believe that rates will rise over the course of their loan and want the stability and predictability this type of loan provides.

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Example

If you buy a home with a 15-year fixed-rate loan, it means that the interest rate on your loan will be the same for every month for your entire 15-year loan.

Young couple in front of their new home holdign a key

Other Mortgage Options

Conventional Loan
non-QM Loan
Jumbo Loan
VA Loan
FHA Loan
Home Possible® by Freddie Mac & HomeReady® by Fannie Mae
FHA Loans
Freddie Mac
Jumbo Loans
Portfolio Lite Doc Loans
Adjustable Rate Mortgages
Reverse Mortgages