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Residential
Mortgages

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Purchasing a Home

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. 

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
Purchasing a Home
Refinance Your Mortgage

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.  

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
Refinance Your Mortgage
Affordable Mortgage Program

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:

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
Affordable Mortgage Program
Homebuyer Dream Program

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
Homebuyer Dream Program
Manage Your Application

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
Manage 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

Contact our Mortgage Team

Customer Service

 

Speak to a Mortgage Team Member

(732) 510-4150

Representatives Are Available:

Monday-Friday

8:30am - 5:00pm

Calculators

Our user-friendly mortgage calculators will help you make smart decisions during the mortgage process.

 

Affordable Mortgage Program: NJ Low to Moderate Income Borrower Chart

County Median Family Income (MFI)(3) 80% of MFI County Median Family Income (MFI)(2) 80% of MFI
Hunterdon $153,400 $122,720 Middlesex $153,400 $122,720
Mercer $126,900 $101,520 Union $135,300 $108,240

Affordable Mortgage Program: NJ Low to Moderate Income Borrower Chart

  • Median Family Income (MFI)(3)

  • 80% of MFI

  • County

  • Median Family Income (MFI)(2)

  • 80% of MFI

Affordable Mortgage Program: NY Low to Moderate Income Borrower Chart

County Median Family Income (MFI)(3) 80% of MFI County Median Family Income (MFI)(2) 80% of MFI
Kings $103,000 $82,400 Richmond $103,000 $82,400

 

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

(1) Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income.  Refer to the Income Chart or speak with a mortgage team member to learn more.     

(2)  For eligible first-time homebuyers who meet certain income criteria and additional parameters. Must be purchasing an owner occupied primary residence in our New Jersey or New York Mortgage Lending Area (All counties in New Jersey and Bronx, Kings, Manhattan, Nassau, Orange, Queens, Richmond, Rockland, Suffolk and Westchester counties in New York). Grant program subject to change without notice and cancellation at any time.                                

(3) Low to Moderate Income Borrower Chart Median Family Income Levels current as of 8/13/25 and subject to change without notice.

All loans are subject to credit approval. 

Discount points are a one-time fee paid at closing to a lender in exchange for a lower interest rate. 

A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments.                                                                     

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Automatic Translation Disclaimer

To help visitors understand information on this website in a variety of languages, Northfield Bank offers GoogleTM Translate, an unaffiliated third party service, which automates translation of the website. The GoogleTM Translate automated translation tool is not perfect and should not be relied upon. Automated translation may miss context, the full meaning may be lost, or words, phrases or sentences may be inaccurately translated. In addition, to the extent GoogleTM Translate caches and presents older versions of the Northfield Bank website content, that is beyond the control of the Northfield Bank site and its operators, who accept no responsibility or liability for the outdated translation.

As a result, Northfield Bank does not make any promises, assurances, or guarantees as to the accuracy of the translations provided or the accuracy of the converted text. Northfield Bank and its affiliates disclaim and will not accept any liability for damages or losses of any kind caused by or arising out of the use of or reliance on the Google Translate feature. Where there is any question, the English version is always the authoritative version of the website.

Some items on the site may not be translated such as images containing text, documents, maps, and web page elements. In addition, some features on the site may not work in the translated versions. If you have any questions about information that appears on our site, please contact us.

Please be advised that deposit and loan disclosures and contractual documents will only be provided in English.

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