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Home Mortgage
When you are ready to purchase, refinance, or build your dream home, you need the right partner by your side. That’s First Hope Bank. We are here to listen to your needs, learn about your goals, and help you find the right house to help you achieve it all. Whether you are looking to buy your first home, have been through the process before, or want to start from the ground up, we have the dedicated and experienced local lending team to help make your dream home a reality.
Life isn’t always predictable, but your mortgage payment can be with the help of your local lenders at First Hope Bank. With a fixed-rate mortgage, your interest rate and monthly payment of principal and interest will stay the same for the life of the loan, so you can have stability in your monthly payments without the stress of increased rates.
As your community bank and neighbor we know how unpredictable the market can be. If you are looking for short-term security and stability with increased purchasing power upfront, choose an Adjustable Rate Mortgage (ARM) from First Hope Bank. With an ARM, the initial interest rate is lower than that of a fixed-rate mortgage, so you can save more upfront. After the initial period, the interest rate is variable and will periodically adjust to current market conditions.
As your local bank, we are empowered to offer some of the lowest rates in New Jersey for borrowers who require loan amounts that exceed the existing Fannie Mae conforming loan limits, up to $3 million. Speak with one of your local lenders at First Hope Bank to see if a Jumbo Loan is right for you.
There are a lot of things to consider in the home-buying process, especially if you are a first-time home buyer. Speak with one of your local lenders at First Hope Bank today to see if a Federal Housing Administration loan is right for you. This mortgage is designed for borrowers who may not qualify for conventional mortgage programs. FHA loans require down payments as low as 3.5% and provide a great opportunity for first-time homebuyers.
As your community bank, we understand that closing costs can add up during the home-buying process. That’s why we offer the USDA Loan, so you can purchase a house with no money down and finance all or part of the closing costs if the home appraises for greater than the purchase price. If you are in the market for a home outside of a major metropolitan area, you may qualify for a USDA Loan.
Building your dream home from the ground up requires a strong foundation. Fortunately, we offer great solutions for construction loans to help you get started on the right foot. Our expert team of lenders has extensive experience helping people turn their visions into reality, so whether you are building your primary home or second home, we offer a variety of construction loan programs to help you get there.
We know you have a vision for your future, and we are here to help you achieve your goals. With the Federal Housing Administration’s Reverse Mortgage program, borrowers over the age of 62 years old have the ability to withdraw some of the equity in their primary home, and use it to cover planned and unplanned expenses. Seniors who are looking to supplement Social Security, meet medical expenses or even make home improvements may benefit from a HECM, and the local lenders at First Hope Bank are here to help you through the process.
AVP, Mortgage Originator
Mortgage Originator
Below are some great resources to help you prepare for the home buying process.
Borrower must meet eligibility requirement of respective programs. Loan programs not available in all states. Get an official loan estimate before choosing a loan. First Hope Bank, N.A., 201 Route 94, Second Floor, Columbia, NJ 07832. Company NMLS #460885.
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