Home Mortgage

We put your dreams of home ownership FIRST! Deciding to buy your first home is an exciting and rewarding time. Our First Mortgage Program makes buying a home easy and affordable. Already have your dream home? Benefit from a lower payment and enjoy the extra cash in your pocket.

Talk to an Expert

Get answers quickly over the phone with one of our Home Loan Specialists. Let our expertise and insight to help make the most of your experience  – speak to a trained mortgage specialist today at 732-225-1505.

Refinance Your Home

 Refinancing your home can help you achieve your financial goals.

What does it mean to refinance your home?

Refinancing means taking on a new loan with different terms and conditions. Lowering your payment, shortening your terms or using the equity you’ve built up over time to get cash back out of your home are all reason you may want to consider refinancing.

Buying a Home

Arm yourself with the knowledge you need to be an informed home buyer.

First-Time Home Buyers. If you are buying a home for the first-time, you probably have a lot of questions. Buying a home doesn’t have to be a complicated and scary process. Our Home Loan Specialists are on hand to help with any questions or concerns you may have.

Types of Home Loans

We will personalize a mortgage that fits your needs and budget.

FHA Loan. The easiest way to qualify for a home loan. An FHA give you a government-insured loan with flexible choices, such as a down payment as low as 3.5%. Refinance or buying, it’s the most flexible loan.

30-year Fixed Mortgage. Our most popular loan. A standard of the mortgage world, a fixed-rate loan is a great option for home buyers looking for a rate that stays the same over the life of the loan.

VA Loan. Active duty military personnel, veterans and their qualifying family members are eligible for special benefits with a VA loan, including no down payment and low interest rates.

15-year Mortgage. Get a secure, low-rate mortgage and pay less interest over the life of your loan.

Adjustable Rate Mortgage (ARM). A top choice for the financially savvy. Maximize your monthly budget with a 5- or 7- year ARM.

Jumbo loan. We offer flexible rates and terms to help you get the loan that’s right for you for a mortgage over $417,000. 15-year, 30-year, FHA and Arm jumbo mortgage options are available, depending on your area.

Have questions? Click to see Home Loan FAQs.

Call our Home Loan Specialists at 732-225-1505 today to get the answers you need.

* For mortgage programs, rates, terms and conditions, please contact one of our Home Loan Specialists. Terms and conditions subject to change without notification. Pinnacle Federal Credit Union is an equal housing lender. NMLS# 423010