Facebook Instagram Facebook

Online Banking


Error, press "Login" to continue.


Error, press "Login" to continue.

Mortgage Loans


Apply Now

Lincoln 1st – Your Home for Mortgages

Your mortgage may be one of the biggest and most important investments in your entire life. For all of us in Morris County, that’s particularly true, as our average home price was $515,201.41 in 2020 

That’s why you need a trusted mortgage professional who can walk you through the entire process – and through the front door of your dream home. The Lincoln 1st team can help you find the mortgage that fits your budget and lifestyle.

Whether you are a first-time homebuyer, moving to a bigger house, or empty nesters planning to downsize, your community Lincoln 1st team can help. We can also give you the terms you need to purchase that vacation home you’ve always wanted or that investment property to bring in extra money. Whatever your specific needs, we have a product for you.   

Neighbors You Can Count On

We are so much more than just great rates, though. Unlike many impersonal big banks, our mortgage team professionals are local – many live in Morris County. So, we will do more than help you select the right home mortgage. We know the neighborhoods, towns, and people, so you can confidently make one of the biggest decisions of your life.

We will be with you every step of the journey. You can rely on us to answer any and all your questions throughout the entire process. We are committed to making sure you select a home that meets your budget. We also ensure we close your loan on time, so you move into your dream house without added stress.  

We are dedicated to protecting the integrity of our relationships. You can always count on the total commitment of our mortgage team

Fixed Rate Mortgages

Our most popular loan product is a fixed rate mortgage. It is the mortgage-of-choice for first-time home buyers, as well as those buying a second home, refinancing their current home mortgage, or looking to buy that vacation spot down at the Jersey Shore, in the scenic locales in western New Jersey, or out-of-state.

A fixed rate mortgage is so popular because it’s simple. You have a consistent monthly amount that includes the fixed interest rate payment and principal over the entire 15- or 30-year term. Knowing that your monthly payment will not change enables you to more confidently know the home of your dreams fits within your budget. (Note: Total interest paid is determined by the loan term. Please see our mortgage rates page for terms and today’s great rates.)

For information on our low fixed rates, please contact:

Andrew Karpinecz - Phone: 862.377.4981; Email: Akarpinecz@MyLincoln1st.com   
Gabe Silverio - Phone: 862.377.5110; Email: Gsilverio@MyLincoln1st.com
Joseph Santini - Phone: 862.260.0006; Email: Jsantini@MyLincoln1st.com

Adjustable Rate Mortgages (ARM)

Lincoln 1st Bank offers an Adjustable Rate Mortgage program in terms of 5 and 7 years. The interest rate applied on the outstanding balance in an ARM varies throughout the life of the loan. An ARM can be a smart financial choice if you are a home buyer who plans to pay off the loan in full within a specific time or have the financial resources to absorb a higher monthly payment if the rate increases. 

Contact a Lincoln 1st representative to discuss the potential benefits or risks of an ARM to determine if this product is right for you.

 Get Prequalified for a Mortgage

Just starting your new home search? The perfect first step is to be prequalified. It will give you a big picture of your approved mortgage.

 Contact us and we will write a prequalification letter, you will have our written commitment to you as to how much we will lend. It’s a big help when reviewing your budget to make sure you are ready for homeownership. 

Refinance Your Home

A mortgage refinance can be a wonderful tool to leverage the equity of your home. Refinancing allows you to change mortgage terms to secure a lower payment and save money every month. Using home equity in this manner can be a better option than a personal loan or putting charges on a credit card because cash-out refinances offered by Lincoln 1st usually have lower interest rates than most credit cards.

 Here are some ways a refinance can help you:

Lower Monthly Payments – Today’s interest rates may be lower than when you signed your original mortgage. You can also refinance to lengthen the term of your mortgage and at the same time lower your monthly payments.

Cash in Hand – Have that once-in-a-lifetime event or want to treat yourself to a lavish vacation? Think of a cash-out refinance. It allows you to take advantage your home’s equity by replacing your current loan with a higher-value loan and taking out a portion of the equity.

Renovations/Maintenance – You can enjoy your home even more without it affecting your wallet or pocketbook. Refinancing allows you to re-invest in your home and reap some comforts. Maybe it’s a new deck or patio. Perhaps a home theater, bigger kitchen, or extra bathroom. Sometimes, it can help with maintenance, such as a new roof or repairing a central air/heat system.

Vacation Home Mortgages

Considering buying a vacation home? Lincoln 1st can help you find the best escape where you can relax. We can help you decide if you should make the down payment using your savings, cash-out refinance from your primary residence, or a home equity line of credit (HELOC).

Our committed team of community members will also help you answer non-financial questions to consider. How will you will use your vacation home? How much time will be spent in it? Will you rent it to help offset the costs? The more you know up front, the better choice you will make.

Apply Now! It’s Convenient

Lincoln 1st offers the convenience of applying online through our Secure Forms application for one of our Fixed Rate or Adjustable Rate mortgage products. 

Apply Now

*Completed loan applications that are submitted after 5:00 PM, on weekends, and on Federal Bank Holidays are deemed to have been received by the Bank on the next business day. Lincoln 1st Bank accepts loan applications for Individuals, Businesses, and real estate financing located in the State of New Jersey. Please visit our rates page or contact a Lincoln 1st representative for additional fixed and adjustable rate mortgage product options and information.

*Rates & terms are subject to change without notice.

For a complete listing of our MLO's and their NMLS ID please Click Here