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Mortgage Rates

 

You've come to the right place for a great loan...
We strive to assist our customers in selecting the right home program and terms, assist you with the process and be available to answer your questions in order to close your loan on time.

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

*Rates & terms are subject to change without notice.

Purchase
Whether you are in the market to buy your first home, moving to a new home, or even looking for a vacation or investment property, we have a product that will meet your specific needs.

Refinance
Use the equity in your home to lower your rate or term, consolidate high-interest debt, finance home improvements or access funds and use the money as you wish. You can consolidate debt and other loans into one lower monthly payment, saving you hundreds of dollars a month!

Call today for information on applying for a loan the best fits your needs or Apply Online today. Not looking for a fixed rate? Look into our adjustable rate mortgages below.

For rate information Contact Us at our Mortgage Center today!
PH: (973)335-2213
Email: lendingdepartment@mylincoln1st.com

Our mortgage team is dedicated to protecting our valued relationships. 

Fixed Rate Mortgage

Fixed Rate Mortgages up to $500,000
Owner Occupied 1-4 family properties

Term

Rate

Points

APR

Maximum LTV

Monthly Cost Per $1,000 Borrowed

30 Year

4.500%

0

4.541%

80%

$5.07

15 Year

3.750%

0

3.820%

80%

$7.27

 

Adjustable Rate Mortgage Program

Adjustable Rate Residential Mortgages

Program

Rate (%)

Points

APR (%)

Monthly Cost Per
$1,000 Borrowed

5/1/30 Year ARM- ***
Margin 2.75% ****

3.625%

0

4.616%

$4.56
Based on initial rate/term

7/1/30 Year ARM- ***
Margin 2.75% ****

3.875%

0

4.534%

$4.70
Based on initial rate/term

 

Effective Date: 4/11/2019
***Adjustable Rate Mortgages have a 2.00% adjustment cap and a 6.00% Life Cap.

Please call for details.