family first

Opportunity Loan

You could qualify for 5% down with no mortgage insurance!

As rates continue to rise, we continue to provide helpful programs! If you’re ready to become a homeowner and you make low to moderate income, the Family First Opportunity Loan can be an excellent option for you! Take a look at this chart to see how this program can help you get a mortgage you are able to afford. To learn more about how you can benefit from this exciting program, fill out the form below!


*Only available in certain counties in NY & NJ


Product is available only in the following counties in New Jersey and New York: Bergen, Essex, Hudson, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union, and Orange, NY. Income limitations and maximum loan amounts apply. Borrower may be required to complete an accredited home ownership course to qualify. Rate Discounts are limited to properties located in a low or moderate income census tract within the Bank’s assessment area. Income limitations apply. To see if your property is in a low or moderate income census tract: https://www, Property being purchased must be located in a low or moderate income census tract within Lender’s assessment area.

These are examples of possible mortgage payment scenarios and individual circumstances are not reflected in the above scenarios. This is not a commitment to lend. All loans subject to an application, credit review, appraisal, and underwriting approval. All rates and terms quoted herein are for informational purposes only, and are subject to change without notice. The monthly payment amount does not include taxes or insurance premiums. If taxes and/or insurance premiums are added to your repayment amount, the actual monthly payment amount will be greater. Some state and county maximum loan amount restrictions may apply. This is an example and is for illustrative purposes only. Rates effective as of 1/23/23.

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