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Mortgages

Features and services of our Mortgages include:

• Great rates and low fees
• Financing to the 48 states
• 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

View our current rates here.

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 or apply today!

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

First Financial offers a Mortgage Rate Text Messaging Service so you can receive updates on our low Mortgage Rates straight to your mobile phone. To be a part of the program, text FIRSTRATE to 69302 and each time our Mortgage Rates change, we'll send you a text message with the new rates.***

We have a first lien position 10 Year Fixed Rate Mortgage product with only $495 closing costs!  This is a great option in comparison to refinancing, where the closing costs are much higher.  Ask us for details!

Rates as low as 3.5% (3.664% APR) - 10 Years* A 10 year mortgage at 3.664% APR would have a monthly cost of $998.86 per $100,000 borrowed.

There are also other great lower rates on our 15, 20 & 30 Year Mortgages too!

Rates as low as 3.875% (4.016% APR) – 15 Years* A 15 year mortgage at 4.016% APR would have a monthly cost of $733.44 per $100,000 borrowed. 

Rates as low as 4.125% (4.236% APR) - 20 Years.* A 20 year mortgage at 4.236% APR would have a monthly cost of $612.59 per $100,000 borrowed.

Rates as low as 4.375% (4.456% APR) - 30 Years.* A 30 year mortgage at 4.456% APR would have a monthly cost of $499.29 per $100,000 borrowed.

View our current loan rates here.

*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. 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. See Credit Union for details. Federally insured by NCUA. **Payment examples do not include taxes or insurance. Financing up to 80% of value of property. ***Standard text messaging and data rates may apply.

NMLS CU ID: 685814

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