NJ Credit Union Mortgage Rates

First Mortgages & Refinancing Center

There is no better time to buy a new home. Today’s super-low rates can make homeownership more affordable than renting. 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.

Partnered with Member First Mortgage (MFM)

We partner with Member First Mortgage (MFM) to bring our members a wide range of mortgage programs, competitive rates and excellent service! Through our partnership with MFM, we now offer a variety of home loan options to fit your unique needs and goals:

  • 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

Refinance & Save!

Save instantly when you refinance your current mortgage at another financial institution. 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.