Mortgage Loans

Mortgages


 

Come Home Sweet Home with a First Financial Mortgage:

  • You'll get a $900 lender's credit on all first mortgages which close between 3/16/26 and 9/30/26 to celebrate our 90th Anniversary year!**
Other features and services of a First Financial Mortgage include:
  • Terms up to 30 years
  • No pre-payment penalties.
  • First-Time Homebuyer's Program available.
  • 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
  • Check out our Homebuyer's Guidebook. 

Current Mortgage Rates as of 2/27/2026

Term Rate APR
10 Year Fixed Conforming 5.375% 5.551% APR*
15 Year Fixed Conforming 5.625% 5.751% APR*
20 Year Fixed Conforming 5.875% 5.978% APR*
30 Year Fixed Conforming 6% 6.078% 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

  • HUD.GOV – Department of Housing and Urban Development's information on home loans.

*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.
 
**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. First Financial will credit $900 back to the member at loan closing, which will be listed on the loan estimate & closing disclosure. Federal Home Loan Bank of New York Homebuyer Dream Program Mortgage recipients do not qualify for the $900 credit.
NMLS CU ID: 685814
Public Access for viewing active First Financial MLOs (Mortgage Loan Originators)
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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