Mortgage Options

Open the door to Home Ownership with one of FRFCU’s mortgage solutions or simply lock in a great rate on a refinance!

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.

Conventional Fixed-Rate and Jumbo Mortgages

Finance your home with your financial partner, Financial Resources. Select from 10, 15, 20 and 30-year terms with a fixed rate for the length of the loan.

Adjustable-Rate Mortgage

Secure your home loan at a lower rate for the first 3 to 10 years. Adjustable-Rate Mortgages are perfect for short-term home ownership, large payments towards the loan in the first few years, or for members simply looking to save money with a lower fixed rate. Select from 3/1 (Fixed rate for the first 3 years, then variable adjustment annually thereafter), 5/1, 7/1 or 10/1 ARMs for 15, 20 or 30-year terms.

Today's Rates*

Program Rate APR
100% Financing (1) 5/5 ARM Purchase 4.125% 4.370%
30 Year Fixed Rate 4.750% 4.786%
5/1 ARM 3.375% 3.408%

Apply Today  View More Rates and Information


A few special features:

  • 100% financing available – not something you'll find everywhere
  • Products and services especially for First Time Home Buyers including the First Home Club, a special program where you can earn up to $7,500 in matching grant funds
  • 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

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.

Our Mortgage Loan Originators (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 make the whole process easy and quick. We are very pleased with how everything turned out.


*excluding Texas, Hawaii, and Alaska

Getting started

Apply Today  View Rates and Information



*Rates are based on evaluation of credit history, loan-to-value, and loan term, so your rate may differ. Rates subject to change at any time. For primary residences and second homes only.

(1) 100% financing loans include an additional funding fee, which may be financed up to the maximum loan amount. Product features are subject to approval. Available for purchase loans only.

Rates quoted are for a single-family, owner-occupied residence located in New Jersey. Rates quoted assume a loan to value ratio of 80% and a credit score of 740. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, your credit score and property value. Your actual rate, payment and costs could be higher. Private mortgage insurance ("PMI") may be required depending upon FRFCU’s lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment. All loans are subject to approval in accordance with FRFCU’s lending policies. Please contact one of our Mortgage Loan Officers for further details.

APR calculation is based upon a loan amount of $275,000, and includes fee estimates for origination, flood certification, real estate tax service, settlement / closing, lender attorney review, and points, if applicable.


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

Federally Insured by NCUA. Equal Opportunity and Equal Housing Lender.