Contact
Contact

Reimagine

your mortgage.

Refinance Now

We’re here to help you refinance your home.

Whether you’re looking to save for the future, make some renovations, or find more freedom in your budget, refinancing your home is a great way to make an effective change that lasts! The team at First Hope Bank is here with personal service and local knowledge to help you find the loan that works for you. And with rates getting lower, now is a great time to make the change!

You’ll find the right fit, with the right partner by your side.


We are here to listen to your needs, learn about your goals, and find the loan that aligns with your vision for your future. Refinancing your home can open a world of possibilities for you, and we’re excited to be a part of that journey.

From lowering your monthly payment, to paying off your home faster and beyond, our expert lenders are here to make it happen. We’ll be your dedicated, experienced partner for the life of your loan. And we’re a part of your community, so you can count on us to understand your needs and meet you where you are.

We have competitive rates on 20-Year Fixed Mortgages*:

6.50%RATE*

6.682%APR*

*Based on the loan amount of $400,000 for 20 years. Your 240 monthly payments will be equal and consecutive payments of $2,982.29. The actual payment will be greater because taxes and insurance are not included.

Refinance Now

We’re all ears, ready to find you a loan that could:

  • Get you a lower interest rate
  • Reduce your monthly payments
  • Expedite paying off your home with a shorter term
Refinance Now

As a local, community bank with big bank capabilities, we offer homebuyers:

  • Competitive rates
  • Personal, one-on-one service every step of the way
  • The convenience of a neighborhood bank
  • Local knowledge and decision-making
Refinance Now

With First Hope Bank, you’re more than a borrower.

As a family-owned bank since 1911, First Hope Bank is uniquely dedicated to the residents of our community. We have extensive knowledge of the local market, and are determined to help you secure your best financial future by creating opportunities for you to do more with your money.

Meet our Team of Experts

How you feel is important.

“It really makes a huge difference having a hometown bank like them, their size, the personal touch, and what they’ve been able to supply me. As far as I’m concerned, they’ve been able to do everything and more that the big banks have been able to do, hands down, and in a much more timely fashion, for sure.”

– Lou C.

Our Mission

To help our customers turn their hopes into reality and be an active contributor to our community’s success.


First Hope has grown and flourished under the guidance of four generations of family leadership and continues to thrive through technological advancements and services in order to stay ahead of the evolving financial industry. We offer a comprehensive suite of financial management tools for everyone including both consumer and commercial services as well as a well-rounded Wealth Management and Trust division***. We are proud of our history and community commitment, and are focused on expanding the history of the bank for the next hundred years.

**Interest Rates vary daily and are accurate as of February 10, 2025 and subject to change without notice. Terms and conditions are subject to change. Subject to approval. Principal and interest payments do not include taxes, insurance, or monthly mortgage insurance, if applicable. Flood insurance may be required. Monthly principal and interest payment information assumes an equal consecutive monthly payment for the duration of the mortgage. A minimum credit score of 740, 75% Loan To Value (LTV), Debt to Income Ratio (DTI) not greater than 45%, purchase of a primary residence, single family detached not including condominiums in Morris, Sussex and Warren Counties, New Jersey, first lien mortgages without subordinate financing and with escrow for taxes and insurance. Standard conforming loan limits apply. Rates may be higher for condos, refinance transactions and/or refinancing of subordinate liens. Loans over 80% LTV require PMI insurance. All loans are subject to full underwriting review. Company NMLS #460885


*** These products are not insured by the FDIC; are not deposits or other obligations of the institution and are not guaranteed by the institution; and are subject to investment risks, including possible loss of principal invested.

Our website uses cookies to improve your website experience and provide more personalized products and services to you. By using our website, you agree to the use of cookies.