Richard DeGrace

Richard graduated from the Fairleigh Dickinson University in 1987 with a Bachelor's degree in Engineering. After graduating college I choose to switch career fields to banking and finance. I now have over 28 years of experience in production and management, conforming lending, government lending and new construction lending. I contribute my success to providing superior service to all my referral sources, clients and past clients. A few statements I believe in… "treating every client right the first time and they will continue to be loyal" and my clients become "Customers for Life". Many referral sources of business include Real Estate Agents, Insurance Agents, Financial Planners, Attorneys and most important my prior clients. As your Senior Vice President of consumer lending, you will receive many years of lending experience! Our professional staff at 1st Colonial Community Bank will help you navigate through all aspects of today's ever-changing real estate transactions with ease. We also can assist with Commercial Loans, Constructions Loans, SBA Loans, Home or Commercial Equity loans and many other banking needs. 1st Colonial Community Bank is an approved loan provider for NJHMFA (New Jersey Home Mortgage Finance Agency). The current program offered for 1st Time Home Buyers is a $10,000 grant for down payment and/or funds for closing costs. This program is used in conjunction with FHA type loan guidelines. subject to minimum credit scores and income limits.