Fixed Rate Mortgage
Rates as low as 4.25% APR*
Find an NJFCU mortgage to match your home.
First-Time Home Buyers loan & program available
*30/20/15/10 Year Fixed Rate
Finance rates and APR’s are valid as of Jun/Thu/2022, and are subject to change without notice. As of 05/03/2022, example $100,000, 15-year fixed-rate conforming mortgage APR is 4.75% with a monthly payment of $7.78 per thousand. Estimated monthly payment does not include taxes and insurance premiums. Program is available in New Jersey and eastern Pennsylvania for single family, owner occupied homes and for 2-4 family, owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. There is no annual fee or prepayment penalty fee. Mortgage must be in first lien position. Other restrictions may apply. For questions, please contact our licensed mortgage lending originator at (973)785-9200. NJFCU is an equal opportunity lender.
What is a Fixed Mortgage?
A fixed-rate mortgage, or fixed mortgage, has an interest rate and monthly payments (loan premium and interest) that remain the same for the life of the loan.
Fixed-rate mortgages tend to have higher interest rates than adjustable-rate mortgages. It generally makes the most sense to choose a fixed-rate mortgage if you are buying a home that you plan to keep for many years. Our residential loan officers can help you decide which mortgage is right for your unique personal situation.
Am I ready for a Fixed Mortgage?
- Get the current rate while you still can; interest rates could increase in the next few years
- Ready to settle into a home for several years
- You want more term-options to pay off your mortgage
Apply Online with our Online Application!
NJFCU’s Online Home Mortgage Application is the fastest way to get pre-approved! Start Now and finish later with the Encompass portal.
After creating an account, you can save a draft of your application. No more searching through your drawers for that paper copy, our digital solution makes it easy and helps keep your organized!
Additional Mortgage Products:
We may be able to provide you with a lower monthly payment and put the family budget back on track.
Adjustable Rate Mortgage
With An NJFCU Adjustable Rate Mortgage (ARM) you will discover cost saving features like competitive rates with a confident credit union.