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Mortgage Rates

3/25 Mortgage Ad


 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 by clicking below.

    Apply Online    

Just starting your new home search and need a pre-qualification letter? We also offer pre-qualification applications to help you begin searching for the home of your dreams.

    Pre-qualify Here    

For information on our low fixed rates please contact:

Andrew Karpinecz -  Ph: 862-377-4981 or Email: Akarpinecz@MyLincoln1st.com  

Gabe Silverio - Ph: 862-377-5110 or Email: Gsilverio@MyLincoln1st.com  

Joseph Santini - Ph: 862-260-0006 or Email: Jsantini@MyLincoln1st.com  

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.

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.

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!

Our mortgage team is dedicated to protecting our valued relationships. 


Adjustable Rate Mortgage Program

Adjustable Rate Residential Mortgages


Rate (%)


APR (%)

Monthly Cost Per
$1,000 Borrowed

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




Based on initial rate/term

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




Based on initial rate/term


Effective Date: 8/13/2020

***Adjustable Rate Mortgages have a 2.00% adjustment cap and a 6.00% Life Cap.

Please call for details.