Home Loans

Buying a Home or Refinancing?

Purchase Mortgages Available With as Little as 3% Down Payment*! Refinances Available Up To 95% of Your Home’s Value*! FREE on-line Pre-Approvals for Home Purchases. Instant Rate and Closing Costs Quotes. Handy Calculators and home buying tips.
Apply online at your convenience, 24 hours a day 7 days a week
Click Here To Visit Our Mortgage Center For Our Current Rates and Resources, a FREE mortgage pre-approval for home purchases or to Apply:

Need Extra Cash or Looking to Remodel Your Current Home?
Fixed Rate Home Equity Loans available For Terms of 5 years (60 months), 7 years (84 months), 10 years (120 months) or 15 years (180 months).
Click Here To Visit Our Mortgage Center For Our Current Rates and Resources, a FREE mortgage pre-approval for home purchases or to Apply:

*Certain restrictions apply; actual down payment and Loan To Value (LTV) requirements may be higher.

Why should you choose a Credit Union Home Loan instead of a loan from a bank or a mortgage company?
See the Credit Union Difference…
Lower closing costs! Credit Unions are member owned, not for profit, full service financial institutions. Our members are assured of low closing costs because there are no "junk fees" or 3rd party charges. For example: most lenders charge an application fee and then additionally, at closing, charge the borrower for the costs of their appraisal and credit report. We do not collect an application fee. Also, the credit union is not obligated to outside investors who themselves charge fees that are charged back to the borrower. Plus, there are no commissioned loan officers at the credit union so costs are kept lower!
Need more reasons to choose 1st Bergen Federal Credit Union for your home loan needs?
You know us…
Stability! You'll have the comfort of knowing that with a conventional credit union mortgage loan from us you will always be making your payments to your credit union. You're not just a number to us; you will enjoy the same level of superior member service as you do with all of your other dealings with the credit union. All mortgage payments will be handled by the credit union and not switched from company to company as time goes by. Of course an automatic deduction for payments from your credit union account is always an option. It's up to you!
We work with you to find the mortgage program that best serves your needs
Options! While we of course follow prudent lending practices, we are not forced to follow "cookie-cutter", black and white, approval guidelines as so many of today's banks and mortgage companies are. We have the flexibility to make a sound decision on a loan based on the overall picture rather than a strict formula. There are often alternative options available even if your loan file does not meet standard industry guidelines. While such loans may be subject to different terms; for example, extra discount points at closing, a lower loan amount, a different loan program or a longer term loan we try our best to help you get the mortgage you want.
The goal of our team of mortgage professionals is to counsel and guide our members along the path to home ownership.
When you are purchasing a home, Free Mortgage Loan Pre-Approvals are always available.
Security! Additionally, your name, address and personal/financial profile will not be sold or shared with other companies seeking to sell you their products and services. Often, banks, mortgage brokers or mortgage companies view their relationships with their "Customers" as a commodity they can sell to make more money. Not here at your credit union! We cherish our relationship with our members and share your desire for confidentiality and we provide you with the security of knowing that outsiders will never solicit you for products and services you neither need nor want!