Buying a Home
Whether you're buying your first home, moving, or looking for a second home or vacation getaway, we offer a variety of mortgage options to fit your needs. Our team is here to make the home-buying process simple and answer your questions along the way.
Refinancing Your Home
Love your home, but not your loan? Refinancing can help you lower your rate and payment or access your home's equity with a cash-out refinance. We're here to help you find the right option.
Lowering Your Mortgage Payment with a Recast
Want to lower your monthly mortgage payment without refinancing? A mortgage recast lets you make a lump-sum payment toward your principal while keeping your existing interest rate and loan terms.
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Meet Your Loan Officer
Fred Cuesta
Mortgage Loan Officer
NMLS#: 706982
Phone: 732-380-3600 ext. 2618
Email: frederic.cuesta@fafcu.com
With over 28 years of experience in retail bank management, Fred has a proven track record of success, having worked with top financial institutions, including Fleet Bank, Bank of America, Wachovia, TD Bank, and Santander Bank.
A graduate of St. John’s University in Queens, NY, with a B.A. in Economics, Fred has also been a licensed Retirement Annuity Producer since 1998. His deep financial planning expertise enables him to provide personalized, strategic solutions that meet the unique needs of each client, living by the philosophy of “Everything to Someone.”
Throughout his career, Fred has helped countless individuals navigate important financial decisions, including mortgage and home refinancing options, as well as debt consolidation strategies.
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
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
Disclosures
*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.