Congratulations on your decision to purchase a home! Northfield's Mortgage Lending Team is here to help you through the loan process and get you resting comfortably in your new home as soon as possible.
- Variety of loan terms to match your individual needs
- Fast and local decision-making
- Easy online loan application process
- Check current rates
Northfield Bank has been serving the community for over 135 years and is a trusted partner to finance your new home. Contact a Mortgage Lending Team Member or click here to get started with your online application!
Start an Application
Whether you are looking to consolidate debt, make home improvements, or reduce your monthly payment, Northfield Bank offers a variety of residential mortgage refinancing options.
- Cash out refinancing options
- Hands on service from a local mortgage team
- Easy online application process
- Check current rates
Contact a member of our Mortgage Lending Team to discuss how you can benefit from refinancing your mortgage with Northfield Bank!
Contact a Mortgage Team Member
Northfield Bank's Affordable Mortgage Program(1) provides a reduced loan rate on our Residential First Mortgage Loans to those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York who:
- are purchasing or refinancing a home in a low or moderate-income census tract OR
- whose income is less than 80% of the county median income
Our Affordable Mortgage Program is a great way to make the dream of owning a home a reality. Enjoy the benefit of a reduced loan rate, no PMI requirement, and a local loan officer to assist you through the entire process.
Check rates, start an application or contact a Northfield Team Member to learn more!
Contact a Mortgage Team Member
Northfield Bank's Homebuyer Dream Program(2) provides downpayment and closing cost assistance to low-to-moderate income first-time homebuyers who meet certain income criteria and additional parameters.
Grants up to $20,000 to put towards your down payment and closing costs are available on a first come, first serve basis.
Learn More
Northfield's modern mortgage application layout allows borrowers to fill out a simple, conversational style loan application from their computer, tablet, or phone.
Once your application is submitted. it's easy to stay on top of every step of the mortgage application process through our online portal.
- View a real-time status of your application
- Upload documents
- Electronically sign documents
- View disclosures and loan information
- Communicate with your Loan Officer
Click Here to Access Your Application
Customer Testimonial
"Northfield made the process of buying a home smooth and easy from the moment we walked into our local branch. We couldn't be more grateful for the incredible support and guidance we received from our Residential Lending Mortgage Specialist, Rebecca Haller, during our home buying process."
- Mohamed and Israa
Getting Started
Calculators
Our user-friendly mortgage calculators will help you make smart decisions during the mortgage process.
Getting Started
Affordable Mortgage Program: NJ Low to Moderate Income Borrower Chart
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Median Family Income (MFI)(3)
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80% of MFI
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County
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Median Family Income (MFI)(2)
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80% of MFI
Affordable Mortgage Program: NY Low to Moderate Income Borrower Chart
-
Median Family Income (MFI)(3)
-
80% of MFI
-
County
-
Median Family Income (MFI)(2)
-
80% of MFI
