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OceanFirst Bank has a new look, with the same great service you trust! Explore our updated site today. 

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Welcome to OceanFirst Bank's New Site!

Thanks for visiting! While our website has a fresh new look, all your personal and business banking tools are right here where you need them. Everything you count on is still just a click away.

Personal lending

Special Purpose

An affordable homebuyer credit program
that can help you realize the dream of owning a home.

Request an Appointment

Special Purpose Program

Enjoy These Great Benefits!

  • Significant savings with low down payments
  • No private mortgage insurance (PMI) required
  • No additional fees based on credit scores
  • No income limit
  • Discounted rates available
  • Risk-based pricing adjustments waived

*As of 9/25/2024 and subject to change at any time. Offer of credit is subject to income restrictions and credit approval. Eligible properties include 1- to 4-unit properties (down payment may increase with 2+ units). Fannie Mae/Freddie Mac eligible condominiums, and planned unit developments (PUDs). Minimum of 3% down payment for purchase of a primary residence. The "no income limit" applies to certain low income areas, designated by government census tracts. Rate discounts available on rates with a floor of 4% APR. Eligible applicants must complete an approved homeownership course. 

Connect with Us

Request an appointment or contact a Residential Loan Officer at 888-623-2633 x27215 to learn more.