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Mortgages

Features and services of our Mortgages include:

• Great rates and low fees
• Finance your primary residence, vacation home or investment property
• Terms up to 30 years
• Good for purchases or refinances
• Easy application process
• No pre-payment penalties
• First-Time Homebuyers Program
• Pre-qualification letters when you're just starting to shop
• Personalized service
• We help you decide which payment options are best for you
• You won't have to pay a different mortgage company each month
• We'll educate you on how to pay off your mortgage sooner
• Refer a friend or family member, and when they close on a First Financial mortgage - you'll get a $100 Visa gift card! Get started by completing a mortgage referral form here.
• Stressed about the home buying process or not sure where to start? Schedule a 30 minute video chat with one of our mortgage experts with no commitment required!

Current Mortgage Rates as of 12/1/2020

	Rate	APR
15 Year Fixed Conforming	2.875%	3.030% APR
20 Year Fixed Conforming	2.875%	2.994% APR
30 Year Fixed Conforming	2.990%	3.074% APR

Apply for a Mortgage Online! 

Demographic Information Addendum to Mortgage Application

Home Possible Advantage Mortgage Program

A Home Possible Mortgage is a responsible, low down payment mortgage option for first-time homebuyers or low to moderate income borrowers.

Features include:

• 3% minimum down payment
• Flexible sources for down payment (including gift money)
• Lower credit score requirements

Ask us for more details by calling the Loan Department at 732-312-1500, Option 4

Web Resources for Mortgages:

• Check out our homebuyer's guide and checklist!
• Credit Union Home Discount Program – Search for homes and check out discounts.
• HUD.GOV – Department of Housing and Urban Development's information on home loans. 

Would you like more information or do you have questions about one of our loans? Please fill out the form below and we will get back to you shortly!

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Which loan product are you inquiring about? Please SelectVisa Credit CardAuto LoanBoat LoanMotorcycle LoanRV LoanATV LoanMortgageHome Improvement LoanHome Equity Loan/Line of CreditPersonal Loan/Line of CreditConsolidation Loan

APR = Annual Percentage Rate. Subject to credit approval. Credit worthiness determines your APR. Rates quoted assume excellent borrower credit history and are for qualified borrowers. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Higher rates may apply depending on terms of loan and credit worthiness. Available on primary residence only. The Interest Rates, Annual Percentage Rate (APR), and fees are based on current market rates, are for informational purposes only, are subject to change without notice and may be adjusted based on several factors including, but not limited to, property location, loan amount, loan type, occupancy, property type, loan to value, debt to income ratios, FICO credit scores, refinance with cash out and other variables. Mortgage insurance may be required depending on loan guidelines. This is not a credit decision or a commitment to lend. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. See Credit Union for details. A First Financial membership is required to obtain a mortgage and is open to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties. Federally insured by NCUA. ​

NMLS CU ID: 685814

Public Access for viewing active First Financial MLOs (Mortgage Loan Originators)