Full service bank serving consumers and businesses since 1887 with a full line of deposit and lending options.

As a homebuyer, you’re looking for a Mortgage Loan Officer you can trust, one who’ll be honest with you and help you every step along the way. I have experience making the borrowing process as uncomplicated and convenient as possible for my clients, and I’m backed by PNC and recognized by NerdWallet as one of the Best Mortgage Lenders of... Read More about PNC Mortgage

Whether you’re buying a home, exploring a refinance, or considering ways to use your home’s equity, I’m here to answer questions, explain your options, and help you make confident, informed decisions at every stage of homeownership. My focus is on helping you secure the right mortgage solution for today—while remaining a trusted resource as your needs evolve over time.

Michael Stepek is your Westfield local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Michael is committed to helping homeowners with home purchase loans and refinances. Contact Michael at (908) 546-5641 for more information!

Sarah Maloney is your Westfield local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Sarah is committed to helping homeowners with home purchase loans and refinances. Contact Sarah at (973) 775-4329 for more information!

Jeanne Morgenstern is your Westfield local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jeanne is committed to helping homeowners with home purchase loans and refinances. Contact Jeanne at (201) 356-0571 for more information!

Spencer Savings Bank is a full service, mutually owned & operated, community bank operating 21 branches in New Jersey. We’ve been in business for over 100 years, have $2.5 billion+ in assets and a team of nearly 300 dedicated employees who specialize in delivering premier banking products/services.