Borrowing
Milestones within Reach
OceanFirst Bank and Embrace Home Loans are working together to offer a broader range of mortgage solutions, supported by industry-leading expertise and personalized care. 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
- Affordable Home Programs
- Credit Cards
- Existing Borrowers
Purchasing a Home
You want the best mortgage option for you or your family. OceanFirst Bank & Embrace Home Loans are here 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
- Refinancing options

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.
Existing Borrowers
If you're a current OceanFirst lending customers, there are still several ways to pay your mortgage, home equity, or commercial loan.
Connect with Us
Whatever stage of your financial journey you’re on, we can assist.
