Welcome To Our New Website!
Welcome To Our New Website!
Buying or refinancing a home is one of the most important financial decisions you’ll make. FNBA’s residential mortgage programs are designed to give South Jersey homeowners a clear and dependable path to financing. Whether you are purchasing your first home, refinancing your current mortgage, or planning for the future, we offer straightforward solutions with terms that fit your financial goals.
With local decision-making and a relationship-based approach, FNBA works with you to structure a mortgage that aligns with your needs.
FNBA residential mortgages are designed to support a range of home financing needs, including:
Finance a primary residence with long-term stability
Adjust your loan term or improve your financial position
Build a new home with structured financing
FNBA offers residential mortgage terms of 15, 20, and 30 years, giving you the flexibility to choose the repayment schedule that works best for your financial situation.
Each option allows you to align your mortgage with your income, long-term plans, and overall financial strategy.
A residential mortgage is a loan secured by your home and repaid over time through scheduled monthly payments.
Loan approval and structure are based on a combination of factors, including your financial profile and applicable underwriting guidelines. Each application is evaluated in accordance with FNBA’s lending standards.
FNBA also offers construction financing for customers building a new home. Construction loans are structured to provide funding as work is completed, rather than as a single lump sum.
Funds are disbursed in stages based on inspections of completed work. During the construction phase, payments are “interest-only” on funds advanced. Once construction is complete, financing may transition into a permanent mortgage, subject to approved terms and underwriting guidelines.
Construction lending is subject to underwriting guidelines, including evaluation of borrower experience, financial stability, and project details.
Loan-to-value, or LTV, is the ratio of your loan amount to the appraised value or purchase price of your home (whichever is lower). FNBA residential mortgages are available for up to an 80% LTV.
FNBA takes a relationship-based approach to mortgage lending. To apply, you will complete a loan application and provide documentation to verify your financial profile. This typically includes:
All loans are subject to underwriting standards, including evaluation of income, employment stability, and overall ability to repay.
All mortgage decisions are made locally, right here in South Jersey. Our team works closely with you throughout the process to ensure clear communication and a smooth experience from application through closing.
| Feature | Detail |
| Loan Type | Residential First Mortgage |
| Use | Purchase, refinance, or construction of primary residence |
| Loan Terms | 15, 20, and 30-year options |
| Maximum Maturity | Up to 30 years |
| Maximum Amortization | Up to 30 years |
| Loan-to-Value (LTV) | Up to 80% |
| Equity Requirement | Minimum 20% |
| Property Type | 1–4 family primary residence |
| Construction Loans | Funds disbursed based on completed work; “interest only “ payments during construction |
| Vacation/Second Home Financing | Yes. FNBA finances vacation and second homes within our market. Contact FNBA for details. |
Need flexibility rather than a lump sum? A HELOC gives you a revolving credit line secured by your home’s equity. Draw what you need, when you need it, and pay interest only on what you use.
Whether you are purchasing a new home or refinancing your current one, FNBA offers fixed- -rate mortgages with local underwriting and fast decisions. Terms up to 30 years available.
Renovating for a growing family? The FNBA Growing Family Hub brings together all the accounts, loans, and savings tools that South Jersey families need in one place.
Visit any FNBA branch to speak with a local loan officer. We’ll walk you through your options, explain requirements, and guide you through the application process.
Fill out the form, and a member of our team will reach out soon.
