Whether you are buying a first home, dream home or refinancing your current home, we offer exceptional service, a wide range of flexible options and great rates. If you are thinking about financing a home, talk to us. We will take the time to understand your situation and help you make the best choices.


What makes Financial Resources different?

We offer all the products and services that you'd expect from a Mortgage Lender...but we're your Credit Union. We work with you from start to finish to find the best mortgage FOR YOU. Whether you want to be guided through the entire process or you just want get through quickly and easily, our seasoned Mortgage Professionals have done it before and can do it for you. And, we've been around for over 100 years, so we're not going anywhere.

A few special features:
  • 100% financing available – not something you'll find everywhere
  • Products and services especially for First Time Home Buyers
  • Excellent service - everyone says it, but we've spent the last year streamlining our processes, adding professional staff and rededicating ourselves to helping our members

Our Mortgage Loan Officers (MLOs) are some of the best in the business. Don’t take our word for it…read what some of our members have said (pulled from an independent website):


Excellent Service
Jason from Watchung, NJ
I am very pleased with Bill and the entire team at Financial Resources Federal Credit Union! They made the home buying process so easy for me and that took a lot of pressure off of me. What I really liked about the process is the fact that everyone at Financial Resources was always ready and able to answer any questions I had and walk me through the process. I would highly recommend them!


Maria was awesome to work with!
Desiree from Middlesex, NJ
My husband and I recently decided to refinance our home. We bank with FRCU and we're happy they had such great rates. Maria was our loan originator and she was amazing! She was incredibly knowledgeable, helpful and kind. She helped made the whole process easy and quick. We are very pleased with how everything turned out.


Here are some of the ways we can help you:

Fixed Rate Mortgages - from 10 - 30 years, and any term in between.

Adjustable Rate Mortgages – many options available including a 1/1 ARM (adjusts every year), a 10/1 ARM (adjusts after 10 years) and a number of choices in between.

Small and Large Amounts Financed - both Conforming and Jumbo Loans

First Home Club - you can earn up to $7,500 in matching grant funds with this special program. Learn more

Nationwide lending* - if you are buying a vacation home or relocating across the country, we can help!

Pre-qualify - even if you are just thinking about your next move, we can help you understand your buying power and what you can afford.

*excluding Texas, Hawaii, and Alaska

Getting started

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*NMLS#401965. Loans are subject to credit approval.