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Mortgage Rates

Fixed Rate Mortgage Wholesale Lending Program

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.

Wholesale Lending for Fixed Rate Mortgages. Rates as low as 4.50% for qualified borrowers.
Lincoln 1st Bank works with independent mortgage brokers to offer our customer's a mortgage program that will enable homebuyers the opportunity to find the home of their dreams. You, our valued customer, will still work directly with a Lincoln 1st representative throughout the underwriting process offering you a first class experience.

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!

An FHA loan which has lower closing costs and more relaxed credit qualifying guidelines may be a beneficial way for you to refinance your current home or purchase a new home.

VA Loans
VA guaranteed loans are made by lenders and guaranteed against payment default by the US Government. The biggest advantage of the VA Loan program is that the borrower can purchase a home with zero down.

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

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

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




Based on initial rate/term

3/3/30 Year ARM- ***
Margin 2.50% ****




Based on initial rate/term

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

10/1/30 Year ARM- ***
Margin 2.75% ****




Based on initial rate/term


Effective Date: 12/20/2018
***Adjustable Rate Mortgages have a 2.00% adjustment cap and a 6.00% Life Cap.

Please call for details.