Home Loans

Mortgages To Make Dreams Come True

You’ve trusted us for all your loan needs. Let us be your source when it comes to your mortgage.

Rates remain at near-historic lows, making it an excellent time to buy new, build, or take advantage of a seamless refinance. No matter if you’re a first-time buyer, stepping up to something bigger, building your dream home, or downsizing, we can help with any mortgage need!

Apply for a Loan View Our Rates

State Financial Network

Through our mortgage partner, State Financial Network, you’ll appreciate a full range of mortgage benefits. Together, we’ll sit down with you to discuss your needs, determine your budget, and ensure your payments stay low.

Visit State Financial Network

Make your goal of homeownership a reality!

Hassle-Free Application – We make the process easy and understandable.

Flexible Terms – Choose from 15 to 30-year fixed-rate loans, adjustable-rate mortgages (ARMs), and construction loans.

Easy preapprovals are available to help you buy your home more quickly.

Trustworthy service – State Financial Network is wholly owned by credit unions, where members always come first.

Guidance is provided to you every step of the way.

Manage Your Mortgage – Make payments from your laptop, tablet, or smartphone.

Added Peace of Mind

You’ll enjoy a personal touch every step of the way – with savings and loan servicing for life!
Visit our partner State Financial Network to review your options or call (609) 586-6669.

Home Equity Financing

Use the power of your equity for a low rate.

You have two excellent options in how you choose to use your equity for borrowing needs: a fixed-rate Home Equity Loan and a variable rate Credit Line. Both enable you to use the equity in your home for any meaningful purpose.

Apply for a Loan View Our Rates

Receive a low rate:

  • Home equity financing is a cost-effective borrowing solution. By leveraging the equity you’ve established in your home, you receive a low rate – lower than many other forms of financing.
  • Terms up to 15 years
  • Borrow up to 80% of your home’s value

Today's Rates

3.50% apr*

Home Equity Loan

3.50% apr*

Home Equity Loan

Flexible options:

Fixed-Rate Home Equity Loan – Offers a set rate, amount, and term for your loan. It works well for a project or purchase, a one-time event, or set expense. You repay the loan for a fixed term and consistent payment amount, so there’s no surprise for your budget. Fixed rates are affordable and keep payments manageable.

Home Equity Line-of-Credit (HELOC) – This versatile line is available whenever you need it. As you repay, it is replenished for future use. The variable rate and amount of your line are based on your available equity and creditworthiness. Use it to make purchases, ongoing home improvements, a vehicle, or other expenses, like college and medical bills. Feel more confident with a credit line at your disposal whenever you need it.

Versatile Uses – To fund your home renovations, a home equity loan or line is an excellent choice. And depending upon your project, you can often recoup much of your original investment.

Refinance – If you currently have a home equity loan with another financial institution, save money by refinancing it at MCNJTFCU. Our two convenient options and flexible repayment terms make it affordable – we can either shorten your term or reduce your monthly payments.

Note: A $400 processing fee is required at the time of application.

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