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Mortgages

Mortgages, Simplified

There are many paths to attaining the keys to your dream home. Navigate the financial
decisions in your life with support from your dedicated OceanFirst loan officer.

Apply for a Loan

Mortgage options

Your Path to Owning a Home

A fixed-rate mortgage is a fully amortizing mortgage loan where the interest rate on the note remains the same throughout the term of the loan. Various loan terms are available.

Details: 

  • 15 or 30-year term options 
  • Flexible down payment options 
  • Fixed monthly payments
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An adjustable-rate mortgage is a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan.

Details: 

  • Flexible down payments
  • Fixed, lower intro rate, which adjusts regularly after a certain time period
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With a simple financing solution in place, including a construction and permanent loan in one closing, you can plan your dream home.

Features: 

  • Rate locked for one year
  • Flexible disbursement schedule
  • Easy application process
  • Prompt and local decision-making
  • One closing
  • Seller may contribute 6% towards closing costs
  • 1st draw up to 75% of land value
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NeighborFirst, an easy and affordable program, helps you realize your dream of owning a home without breaking the bank.

Details:

  • Significant savings with low down payment
  • No private mortgage insurance (PMI) required
  • No additional fees based on credit scores
  • Discounted rates available
  • Risk-based pricing adjustments waived
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Special Purpose is an additional affordable homebuyer credit program to help all homebuyers purchase their home.

Details: 

  • 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
  • Qualified homebuyers may be eligible for a $6,000 credit towards closing costs.
Learn More

personal borrowing options

Explore Other Mortgages

Buy or renovate your home with other OceanFirst lending solutions.

  • Construction Loans

    With a simple financing solution in place, including a construction and permanent loan in one closing, you can plan your dream home.
    Explore Construction Loans

  • Home Equity

    Use your home equity for whatever you need from house repairs to consolidating debt or another life event.
    Explore Home Equity
Subject to Credit Approval

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