Buying a Home
Whether you're looking for your first home, making a move to a new community, or on the hunt for a second home or vacation getaway, buying a house is a rewarding experience. We want to keep it that way. We offer various mortgage types to suit your needs and are here to answer any questions you have during your home-buying process.
Refinancing Your Home
Love your home, but not your loan? Refinancing your mortgage means you get a new home loan to replace your existing one. Whether you're looking to lower your interest rate to save money or wanting to take advantage of a cash-out refinance to tap into your home's equity, we're here for you.
As low as
As low as
As low as
*APR=Annual Percentage Rate. Mortgage APR examples above are based on the assumption of a $225,000.00 first mortgage loan amount with a minimum of 20% Down Payment (no Private Mortgage Insurance [PMI] required). To qualify for this APR, a minimum direct deposit of $500 per month into a First Atlantic deposit account is required (without add .125%). Rates may change based on creditworthiness, property type, and several other factors. Please contact us for more information. Rates subject to change at any time and without notice.
Get Pre-Qualified for a Conventional Mortgage.
Pre-approval gives you an idea of how much money you can borrow, guiding your search for a home. This does not apply to VA or FHA Loans.Get Prequalified
First Responders Loan Discount
Qualifying members for this program include:
- Firefighters (paid and volunteer)
- Police Officers
- EMTs (paid and volunteer)
First-Time Homebuyers Program
The Monmouth County Office of Community Development office has developed The First-Time Homebuyers Program to provide financial assistance to low- and moderate-income eligible county residents interested in purchasing a home. Financial assistance is provided in the form of a deferred second payment mortgage loan not to exceed $10,000 that may be used towards down payment and/or closing costs.
Home Buying Guide
The home buying process can be overwhelming so it’s best to be prepared. That's why we put together a Home Buying Guide to help you from start to finish. In this guide, you'll find information for each step of the home buying process.
- Info on the types of mortgages and what you need to know
- Checklists for documents, home buying, and moving
- Worksheets to determine your dream home and estimated costs
- Tips on making an offer and information on the appraisal and inspection
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