Strong, Well-Capitalized, providing real estate financing to New Jersey borrowers for over 100 years.

Gibraltar Bank has competitively priced loan programs for the Purchase or Refinance of mixed-use and multi-family properties. Our real estate professionals bring value added expertise to the lending process and help facilitate the matching of a loan request to a loan program, based on the unique property characteristics and tenant mix. Our goal is to efficiently take a sound loan request to closing so that you have your funds in the quickest time possible.


  • Multi-family: 5-15 residential units
  • Mixed-use: income producing property with both residential tenants/use and commercial tenants/use (i.e. retail stores, offices, studios, fitness centers) within the same building or parcel of land.

Property Location

  • New Jersey

Loan Amount

  • $100,000 to $1,000,000 Cap

Maximum Loan to Value ratio (LTV)

  • 70% - 75% Based on Property Type


  • Origination Fee: 1%, may be higher depending on property
  • Third Party Costs: The borrower is responsible for all third party costs, including but not limited to: appraisal, environmental site assessment, fees, bank attorney fees (in addition to your attorney fees)


  • 10 and 15-year fixed-rate terms available
  • 25 year amortizing ARM (Adjustable Rate Mortgage)
  • 5 year ARM rate set daily. One Year Treasury Securities +3.250% Cap: 2.00% Per Adj.--11.000% Lifetime

Loan Rates are quoted based on loan characteristics, call Jim Brown at 732-245-5121 or 888-472-1819.