• info@nbeecu.org
  • 973-375-9182

Mortgage Programs

NBEECU’s mortgage programs online application is now available. Click on the button below to register and apply.

  • Available for primary residences and second homes
  • Flexible fixed-rate term options of 15, 20, or 30 years
  • Adjustable-rate (ARMs) option of 30 years
  • Easy pre-approval process for additional confidence when shopping for a home
  • Refinance your current property to potentially lower your rate and monthly payments
Mortgage Programs


5/1 Arm 2.50% for up to $417,000.00

5/1 Arm 2.75% for $417,000.00 to $750,000.00

Promotional Rates are subject to change according to market conditions. Closing fees are applicable, see good faith estimate for projected closing fees.




Mortgage Loans

5/1 Adjustable-rate mortgage (ARM)
Finance rates and APRs are valid as of 7/15/2020 and are subject to change without notice. As of 7/15/2020, a sample $100,000, 5/1 ARM conforming mortgage APR is 2.50% with a monthly payment of $3.95 per thousand. APRs are subject to change. Estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in New Jersey for single family, owner occupied homes and for 2-4 family, owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. Mortgage must be in first lien position. First adjusted interest rate cap 2.00%, Subsequent adjusted interest rate cap 2.00%, rate adjustment frequency of 12 months.