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

Fixed Rate Mortgage

Buying a new home is the most important purchase you’ll ever make. NJFCU Mortgage understands how the process can be overwhelming and confusing, and that’s why our mortgage team works with you to ensure that you get the options tailored to meet your needs.

as low as 4.25% APR*

Fixed Rate Mortgage Benefits:

Competitive rates
NJFCU First-Time Home Buyers loan and program available
Conventional Loan Products available
FHA & VA loan options available
Low down payment loans
Financing available for 1-4 family homes and Condo
Rate lock option available at time of application

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How much will my payments be?

*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.

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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

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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!

Apply Today

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