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    Achieve Your Own Sweet Home with a JN Bank Home Equity Loan.

    Features

    • Up to 15 years to repay
    • Up to 85% financing of available equity in home
    • Borrow up to $15 Million
    • Monthly payment (principal & interest) as low as $9,847* per million

    Benefits

    • Up to $200,000 free contents insurance from JNGI, if contents insured value $1 million and over
    • 20% Discount on Motor Insurance from JNGI (per motor policy)
    • Free JAA Gold Membership for one year
    • Up to 20% in discounts from more 100 JN Rewards partners island-wide
    • You must be 18 years or older
    • Valid proof of identification: passport, driver’s licence along with birth certificate; or voter’s ID along with birth certificate
    • Proof of income:
      • Employed- income verification letter or completed JN Bank income verification form along with last three month’s pay slips
    • Proof of address: utility bill or cable receipt, bank statement, credit card statement or post marked envelope bearing name and address
    • Tax Registration Number
    TYPE PURPOSE INTEREST RATE EAIR FINANCING PROCESSING FEE
    Home Equity Loan Education/Medical/Debt Consolidation 8.50% 8.8391% 85% Up To $15m 0.667% - 2.6795%

    New Kingston Mortgage Representatives

    Mrs. Andrea Wright-Anderson

    Client Relationship Specialist
    JN Bank Ltd.– Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5, Jamaica, W.I.
    Mobile:  +1-876-276-5336
    Office:  +1-876-926-1344 EXT 5412
    Email: Awright@jnbank.com

    Miss Christabelle Douglas

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5, Jamaica, W.I.
    Mobile:  +1-876-276-5286
    Office: +1-876-926-1344 EXT 5415
    Email: ChristabelleD@jnbank.com

    Mr. Kendal Smith

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5, Jamaica, W.I.
    Mobile:  +1-876-564-0625
    Office: +1-876-926-1344 EXT 5416
    Email: KSmith@jnbank.com

    Mrs. Kaye Ricketts

    Client Relationship Specialist
    JN Bank Limited – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5, Jamaica, W.I.
    Mobile:  +1-876-283-4666
    Office: +1-876-926-1344 EXT 5552
    Email: KRicketts@jnbank.com

    Mr. Kevin Henry

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5, Jamaica, W.I.
    Mobile:  +1-876-276-5731
    Office: +1-876-926-1344 EXT 5417
    Email: KHenry@jnbank.com

    Miss Marie Gayle

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5, Jamaica, W.I.
    Mobile:  +1-876-276-5442
    Office: +1-876-926-1344 EXT 5419
    Email: MGayle@jnbank.com

    Miss Marie Hamilton

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5, Jamaica, W.I.
    Mobile:  +1-876-276-5684
    Office: +1-876-926-1344 EXT 5420
    Email: MarieH@jnbank.com

    Mr. Paul Lettman

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5, Jamaica, W.I.
    Mobile:  +1-876-869-6385
    Office: +1-876-926-1344 EXT 5421
    Email: PLettman@jnbank.com

    Mr. Sean Morgan

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5, Jamaica, W.I.
    Mobile:  +1-876-276-5726
    Office: +1-876-926-1344 EXT 5422
    Email: SeanM@jnbank.com

    Miss Tanya Lindo

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5
    Mobile:  +1-876-276-5457
    Office: +1-876-926-1344 EXT 5423
    Email: TLindo@jnbank.com

    Miss Tashaleen Morgan

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5
    Mobile:  +1-876-276-5647
    Office: +1-876-926-1344 EXT
    Email: TMorgan@jnbank.com

    Mrs. Cheryl Kerr-Daley

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (New Kingston)
    10-12 Grenada Crescent, Kingston 5
    Mobile:  +1-876-276-5593
    Office: +1-876-926-1344 EXT 5414
    E-mail: CDaley@jnbank.com

    Montego Bay Mortgage Representatives

    Miss Angella Hines

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (Montego Bay)
    JN Financial Services, Megamart Complex
    Catherine Hall, Montego Bay, St. James, Jamaica
    Mobile:  +1-876-577-9201
    Office: +1-876-926-1344 EXT 5429
    E-mail: ACHines@jnbank.com

    Miss Karen-Ann Mighty

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (Montego Bay)
    JN Financial Services, Megamart Complex
    Catherine Hall, Montego Bay, St. James, Jamaica
    Mobile:  +1-876-276-5203
    Office: +1-876-926-1344 EXT 5430
    E-mail: KMighty@jnbank.com

    Mr. Oraine Thompson

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (Montego Bay)
    JN Financial Services, Megamart Complex
    Catherine Hall, Montego Bay, St. James, Jamaica
    Mobile:  +1-876-551-7795
    Office: +1-876-926-1344 EXT 2935
    E-mail: OThompson@jnbank.com

    Ochos Rios Mortgage Representatives

    Mrs. Cheri Powell-Henry

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (Ocho Rios)
    Corner Graham and DaCosta Streets, Ocho Rios, St. Ann, Jamaica, W.I.
    Mobile:  +1-876-276-5593
    Office: +1-876-926-1344 EXT5427
    E-mail: Cheri@jnbank.com

    Mrs. Sanique Barrett-Mitchell

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (Ocho Rios)
    Corner Graham & DaCosta Streets
    Mobile:  +1-876-451-2330
    Office: +1-876-926-1344 EXT 4810
    E-mail: BarrettS@jnbank.com

    Miss Audreen Higgins

    Receptionist
    JN Bank Ltd. – Mortgage Centre (Ocho Rios)
    Corner Graham & DaCosta Streets
    Office: +1-876-926-1344 EXT 4948
    E-mail: AudreenH@jnbank.com

    Mrs. Winsome McNish-Ricketts

    Business Relationship Manager  (Acting)
    JN Bank Ltd. – c/o JN Ocho Rios Branch
    Corner Graham & DaCosta Streets, Ocho Rios, St. Ann, Jamaica, W.I.
    Mobile:  +1-876-577-9048
    Office: +1-876-926-1344 EXT 5428
    Email: WRicketts@jnbank.com

    Mandeville Mortgage Representatives

    Miss Sophia Anderson

    Client Relationship Specialist
    JN Bank Ltd. – Mortgage Centre (Mandeville)
    Floor 1 – JN Bank Mandeville Branch
    45A Mandeville Plaza, Mandeville, Manchester, Jamaica, W.I.
    Mobile:  +1-876-276-5526
    Office: +1-876-926-1344 EXT 5426
    E-mail: SophiaA@jnbank.com

    What is the maximum loan amount, and at what interest rate, can I obtain a JN Home Equity Loan?

    You may access up to 85% of the market value of residence or up to $15 million, whichever is less, and at an interest rate 8.5%.

    However, note that the loan amount you can access is dependent on two things:

    1. Price of property
    2. Ability to service the loan

    Your interest is charged on your reducing balance, which is an advantage to you.

    What is meant by: “The interest rate is charged on the reducing balance?”

    It means every payment you make goes towards settling interest and reducing your principal balance. The interest is computed based on the principal balance remaining after each payment is made.

    How long will it take to process my loan application?

    Once you have satisfied all requirements, your loan application should be approved between two and seven working days. Where there is a delay, your Loans Officer will contact you.

    After my loan has been approved, how long does it take for me to receive the funds?

    Once the conditions for approval have been met, your funds should be disbursed within 15 working days.

    Do I have to come into the branch to start the application for my loan?

    No you do not. JN makes doing being business easier. You can call us or book an appointment through our website and a mobile loans officer will visit you at your convenience to assist you with the process and to answer your questions. Click here to contact a mobile loans officer.

    Can I make my loan payments online?

    At JN we make doing business as convenient as possible. You can make your loan payments from your JN account by using our online banking platform LIVE by JN. If you haven’t registered, you may do so by visiting www.livebyjn.com. There is no charge to make your payments! Alternately, we can automate the payment from your JN savings account.”

    We want to Serve you Even Better!

    We’re happy to assist with a loan or mortgage to finance your goal.

    JN Bank is committed to providing you with much more than financing. We’re here to serve you.

    Share your loan experience with us at myloanexperience@jnbank.com.