Credit Union Mortgage Rates & Home Loans

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First Mortgages & Refinancing Center

Members 1st of NJ helps New Jersey members buy and refinance homes with competitive credit union mortgage rates and personal guidance. Through our partnership with Member First Mortgage (MFM), members get a full range of home-loan options with the service and value of a member-owned, not-for-profit credit union.

Whether you’re a first-time buyer, want to downsize, or purchase a second home, our low rates and flexible terms make it more affordable to buy the new house you want.

Current Mortgage Rates for NJ Members

At Members 1st, we focus on keeping your mortgage costs low and the process simple. That’s why our rates and service are often more competitive than what you’ll find at national banks.

Your mortgage rate depends on a few factors: your creditworthiness, your loan qualifications, and the property you’re financing.

Rates and terms can change, so the most accurate number comes from a personalized quote rather than a general listed rates. Apply online or contact the First Mortgages & Refinancing Center at 1-866-898-1818 to request today’s rates.

Credit Union Home Loans: Purchase & Refinance

Whether you’re buying your first home, moving up, or refinancing your current mortgage from another lender, Members 1st offers a full range of home-loan options through our partnership with Member First Mortgage (MFM). Options include fixed-rate and adjustable-rate terms, so you can match the loan to your budget and timeline, along with:

  • A complete suite of mortgage programs for purchase and refinance
  • Conventional and Government loan programs, including: FHA, VA, USDA/RD (Rural Development) and more!
  • Fixed-Rate Mortgage programs
  • Adjustable-Rate Mortgage (ARM) programs
  • Construction financing
  • Jumbo loans
  • Low down-payment programs
  • Flexible credit programs
  • Competitive rates and fees

Why Choose a Credit Union Mortgage with Members 1st

Choosing Members 1st means working with a team that knows the South Jersey market and treats you like a member, not an account number.

We’ve served South Jersey families since 1938, when we started as a local credit union for teachers. That same community-first approach still shapes how we help members finance a home today.

As a not-for-profit, member-owned credit union, we return earnings to members instead of shareholders, which is why our focus stays on affordable terms and rates, not profit margins.

Refinance & Save!

Save instantly when you move your current mortgage from another finanical institution and refinance with Members 1st of NJ.

Call or stop by the credit union for the details. View branch locations and phone numbers.

Applying is Easy & Convenient

If you are an experienced homebuyer, we’ll make the application process as fast and easy as possible. If you are a first-time buyer, we can guide you through the New Jersey mortgage process step-by-step. It’s easier than you think. Stop by the credit union or apply online to get started. You may also call 1-866-898-1818.

Apply Online

*Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to credit approval. Members 1st of NJ FCU, NMLS ID# 454783. Member First Mortgage, LLC NMLS ID# 149532. Equal Housing Opportunity Lender.

Frequently Asked Questions

Are credit union mortgage rates lower than bank rates?

Credit union mortgage rates are frequently competitive with or lower than bank rates because credit unions are member-owned and not-for-profit. Members 1st offers mortgages through Member First Mortgage, combining competitive pricing with personable, local credit-union service.

What types of mortgages does Members 1st offer in NJ?

Through our Member First Mortgage partnership, Members 1st offers a full suite of home-loan programs, including conventional and government-backed options such as FHA, VA, and USDA/RD loans. We also offer fixed-rate and adjustable-rate (ARM) programs, jumbo loans, construction financing, and low-down-payment options for eligible members.

How do I refinance my mortgage with a credit union?

If you have a mortgage with another lender, you can refinance it with Members 1st through our First Mortgages & Refinancing Center. Refinancing can lower your payment, lower your rate, or shorten your loan term. Our team reviews your goals and current rates to see whether it makes sense for you.

Who is Member First Mortgage (MFM)?

Member First Mortgage is Members 1st’s mortgage partner. MFM handles the home-loan process while you keep the relationship and service of your local credit union.

Do you help first-time homebuyers?

Yes. We’ll guide you through the New Jersey mortgage process step-by-step, so it’s easier than it looks. Stop by any Members 1st branch or apply online to get started, or call 1-866-898-1818.

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