Area of Interest: Spencer provides a full range of financing options for property types ranging from multi-family to commercial (including mixed-use, retail, medical office, flex/warehouse and industrial) as well as construction loans (rental units and smaller for sale residential properties). We also provide financing and refinancing options for smaller sized 1-4 family investment properties. Our well-seasoned staff has the knowledge and expertise to help power financing needs for stabilized properties, purchases or development of investment properties. Who is your target market? The credit quality of Spencer’s over $2 billion loan portfolio has helped make it one of NJ’s strongest community banks, resulting in growth that expands well beyond our brick and mortar footprint. Headquartered in northern New Jersey, the bank has a proven track record of helping real estate investors and developers throughout New Jersey, as well as across the tri-state area. Our target customer consists of medium-to-large size real estate developers and owners within this market area.