Borrowing
Milestones Within Reach
You can finance the perfect home, project, or special purchase with
our competitive rates, flexible terms, and customer-centric support.
Personal borrowing options
Turn “One Day”... Into Today
- Purchasing a Home
- Refinancing your Home
- Home Equity
- Affordable Home Programs
- Credit Cards
Purchasing a Home
You want the best mortgage option for you or your family. OceanFirst mortgages are built to guide you through the process from start to finish so you can achieve your dream of home ownership.
We can help with:
- Buying your first home
- Experienced home buying
- Construction loans
- Affordable home programs
Refinancing your Home
There are many reasons you may wish to refinance your home. These include switching from an adjustable-rate mortgage to a fixed rate, potentially lowering your mortgage rate, or obtaining equity from your home.
We can help with:
- Fixed-rate loans
- Adjustable-rate loans
- Home Equity options
Home Equity
With a home equity loan from OceanFirst, you can fund important goals in your life — renovations, family milestones, consolidating debt, or taking that much-needed vacation.
We can help with:
- Home Equity Line of Credit
- Fixed Rate Home Equity Loan
Affordable Home Programs
You may qualify for an easier, more affordable mortgage program from OceanFirst. If you're thinking about owning your first home, we can help you realize that dream with special first-time home buying discounted rates.
Credit Cards
Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
Features:
- Convenient and flexible purchasing power.
- Accepted at millions of locations worldwide.
- Mobile Purchasing capability for added convenience.
- Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day/365 days per year.
- Plus much more!
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
Our team
Your Dreams, Backed By Experts
Borrowing money doesn't have to feel like a daunting process. The OceanFirst team of dedicated loan officers are accessible, dedicated members of your community, who will answer your questions every step of the way.

Connect with Us
Whatever stage of your financial journey you’re on, we can assist.