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Mortgages

Residential Mortgages,
Simplified

Get the keys to your dream house and navigate life’s finances —
with support from caring loan officers.

Apply for a Loan

Mortgage options

It’s Time To Go Home

Find the best option and experience to make financing your home as joyful as it should be.

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
Apply Now

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
Apply Now

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
Learn More

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 in certain geographic areas
  • Interest rate discount of 1% (program interest rate floor of 4%)
  • Qualified first-time homebuyers may be eligible for a $6,000 grant toward closing costs
Learn More

Lending and loan 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

Connect with Us

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