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Welcome to Financial Resources Federal Credit Union's Mortgage Website.  We are with you every step of the way!  Be sure to check out our new LOW rates on Jumbo Mortgages!

We now offer a Mortgage program that offers $0 down payment and flexible credit terms that make it easier to buy the home of your dreams!

  • Must be a 1st Time Homebuyer
  • Purchases Only, no refinances allowed.
  • No downpayment required.
  • Minimum loan of $100,000; maximum of $417,000.
  • 1.75% Funding Fee; may be added to the loan amount and financed.
  • 1 - 4 family owner occupied homes and Freddie Mac eligible condominiums.
  • Seller may pay actual closing costs, not to exceed 3% of the purchase price.

Click here for current ratesLoans subject to credit approval.


Forget FHA
Make your First Home Possible!

We now offer Freddie Mac's Home Possible® Mortgage that offers LOW down payment options and flexible credit terms that make it easier to buy the home of your dreams!

  • 3% Down Payment
  • 30-Year Fixed Rate Mortgage
  • Relaxed credit terms
  • Reduced mortgage insurance coverage levels that end when sufficient equity is reached, unlike FHA
  • No up-front Mortgage Insurance as with FHA
  • For first time homebuyers only (purchases only)

Click here for current rates.  Loans subject to credit approval.   


NO Closing Cost Options Available! 

No closing costs on loans available for single family homes, PUD's and condominiums only.  Rates quoted on our website are for member paid/ standard closing costs.   Options are available for no closing costs with a slight increase in rate.  Closing costs paid for by the credit union typically include all third party and credit union charges; however, some restrictions apply.  Please call for full details. 

Financial Resources offers you a wide choice of mortgages so you can find the one that best suits your needs - whether you are making a new purchase, refinancing an existing mortgage, or remodeling your home.

Purchasing a new home?

Whether you are buying your first home or you are an experienced buyer, there are many important factors to consider.  Let one of our team of experts help you find a purchase solution that will fit your needs.

See the opportunity cost of waiting to save 20% down vs. buying now with PMI.  Visit http://essent.us/EssentIQ

Applying for a loan?

Our online application process is fast and easy.  You can stop at any point in the application process and pick up where you left off at another time.  Check on the status of your submitted application anytime!


Remodeling your home?

Our team of experienced mortgage professionals will help you find the loan solution that will make your newest home project a reality.



Financial Resources Federal Credit Union
520 US Highway 22 E., 1st Floor, Bridgewater, NJ  08807
Toll Free:  (800) 933-3280
Direct:  (908) 685-6579
Fax:  (908) 253-6406
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