Mortgage Loans

Mortgages


 

Come Home Sweet Home with a First Financial Mortgage:

  • You'll get a $500 Home Depot gift card upon the closing of any First Financial mortgage.**
  • Your appraisal is on us! ($580 value).++
  • 60 day rate lock option with one complimentary float down.***
Other features and services of a First Financial Mortgage include:
  • Terms up to 30 years
  • No pre-payment penalties.
  • First-Time Homebuyer's Program
  • Pre-qualification letters when you're just starting to shop.
  • Personalized service and low fees!
  • 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 or vacation home.
  • Stressed about the home buying process or not sure where to start? Schedule a video chat or a phone call with one of our mortgage experts with no commitment required! 
  • Want to know when our mortgage rates change? Sign up for text alerts! Note: You must check the Text Message Signup box when registering in order to receive rate change text messages.+ If you do not receive an automated confirmation message after enrolling, please text "Yes" to (201) 808-1038

Current Mortgage Rates as of 4/17/2025

Term Rate APR
10 Year Fixed Conforming 6.25% 6.44% APR*
15 Year Fixed Conforming 6.5% 6.637% APR*
20 Year Fixed Conforming 6.75% 6.861% APR*
30 Year Fixed Conforming 7% 7.086% 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 information 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. Minimum mortgage loan amount is $100,000. 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. Rates and APRs listed are based on a mortgage loan amount of $250,000. 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, volunteers, or attends school in Monmouth or Ocean Counties. 
 
Please note: Adobe Acrobat Reader is required for our Mortgage Application PDF to be fillable on a mobile phone.
 
+The Text Message Signup box must be checked in order to receive text messages. Standard text messaging and data rates may apply.
 
**$500 Home Depot Gift Card will be issued at loan closing on any First Financial mortgage, while supplies last.
++Applicant to pay $580 appraisal fee up front at the time of appraisal. First Financial will credit the $580 appraisal fee back to the member at loan closing.
***Rate lock is available for new applications on purchase and refinance loans at a 0.50% fee for a 60 day lock, and is for members who have been preliminarily approved and are in contract to purchase or refinance a property with a closing date within 60 days. You must request the rate lock option at the time of initial mortgage disclosure. The rate lock fee is due at the time of rate lock disclosure signing. You may request a lower rate no more than one (1) time, with a maximum cumulative interest rate reduction of 0.50%. The benefit would allow for one float down for applicants to re-lock their interest rate, should rates decrease during the lock period of 60 days from contract receipt. Members will not incur any additional costs to utilize this benefit. You must monitor rates to decide when to exercise the option to lower the rate. All requests for a lower rate must occur at least seven (7) calendar days before closing. First Financial reserves the right to modify or discontinue products and benefits at any time without notice.
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!

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