transparent house images in front of a laptop keyboard

Mortgage Loans

Home Sweet Home

Has it been your dream to own a home, but you didn't think it was possible to take the leap? We make taking the leap possible with great Mortgage and Refinance rates. 

Mortgages

Features and services of our Mortgages include:
  • Terms up to 30 years
  • Easy application process
  • No pre-payment penalties
  • First-Time Homebuyer's Program
  • Pre-qualification letters when you're just starting to shop
  • Personalized service
  • We'll help you decide which payment options are best for you and educate you on how to pay off your mortgage sooner!
  • Financing for your primary residence, vacation home, or investment property.
  • Get up to $500 in closing cost credits!**
  • 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.
  • Stressed about the home buying process or not sure where to start? Schedule a 30 minute video chat or phone call with one of our mortgage experts with no commitment required!
  • Want to find out when our Mortgage rates change? Text Firstrate to 866-956-9302

Current Mortgage Rates as of 9/1/2021

Term Rate APR
15 Year Fixed Conforming 2.875% 3.032% APR*
20 Year Fixed Conforming 3.000% 3.121% APR*
30 Year Fixed Conforming 3.125% 3.211% APR*

Additional Mortgage Application Forms:


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 of the Home Possible Advantage Program include:
  • 3% minimum down payment
  • Flexible sources for down payment (including gift money)
  • Lower credit score requirements
  • Ask us for more by calling the Loan Department at 732-312-1500, Option 4

Web Resources for Mortgages


*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. 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. ​

**Qualified borrowers must meet eligibility requirements 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.

NMLS CU ID: 685814

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!

* Required

Are you a current First Financial member?



Thank you for your submission!

We will be in touch with you soon.