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Lincoln 1st – Your Home for Mortgages
Your mortgage may be one of the biggest and most important investments in your entire life. For all of us in Morris County, that’s particularly true, as our average home price was $515,201.41 in 2020
That’s why you need a trusted mortgage professional who can walk you through the entire process – and through the front door of your dream home. The Lincoln 1st team can help you find the mortgage that fits your budget and lifestyle.
Whether you are a first-time homebuyer, moving to a bigger house, or empty nesters planning to downsize, your community Lincoln 1st team can help. We can also give you the terms you need to purchase that vacation home you’ve always wanted or that investment property to bring in extra money. Whatever your specific needs, we have a product for you.
Neighbors You Can Count On
We are so much more than just great rates, though. Unlike many impersonal big banks, our mortgage team professionals are local – many live in Morris County. So, we will do more than help you select the right home mortgage. We know the neighborhoods, towns, and people, so you can confidently make one of the biggest decisions of your life.
We will be with you every step of the journey. You can rely on us to answer any and all your questions throughout the entire process. We are committed to making sure you select a home that meets your budget. We also ensure we close your loan on time, so you move into your dream house without added stress.
We are dedicated to protecting the integrity of our relationships. You can always count on the total commitment of our mortgage team
Fixed Rate Mortgages
Our most popular loan product is a fixed rate mortgage. It is the mortgage-of-choice for first-time home buyers, as well as those buying a second home, refinancing their current home mortgage, or looking to buy that vacation spot down at the Jersey Shore, in the scenic locales in western New Jersey, or out-of-state.
A fixed rate mortgage is so popular because it’s simple. You have a consistent monthly amount that includes the fixed interest rate payment and principal over the entire 15- or 30-year term. Knowing that your monthly payment will not change enables you to more confidently know the home of your dreams fits within your budget. (Note: Total interest paid is determined by the loan term. Please see our mortgage rates page for terms and today’s great rates.)
For information on our low fixed rates, please contact:
Andrew Karpinecz - Phone: 862.377.4981; Email: [email protected]
Gabe Silverio - Phone: 862.377.5110; Email: [email protected]
Joseph Santini - Phone: 862.260.0006; Email: [email protected]
Lincoln 1st Bank offers an Adjustable Rate Mortgage program in terms of 5 and 7 years. The interest rate applied on the outstanding balance in an ARM varies throughout the life of the loan. An ARM can be a smart financial choice if you are a home buyer who plans to pay off the loan in full within a specific time or have the financial resources to absorb a higher monthly payment if the rate increases.
Contact a Lincoln 1st representative to discuss the potential benefits or risks of an ARM to determine if this product is right for you.
Get Prequalified for a Mortgage
Just starting your new home search? The perfect first step is to be prequalified. It will give you a big picture of your approved mortgage.
Contact us and we will write a prequalification letter, you will have our written commitment to you as to how much we will lend. It’s a big help when reviewing your budget to make sure you are ready for homeownership.
Refinance Your Home
A mortgage refinance can be a wonderful tool to leverage the equity of your home. Refinancing allows you to change mortgage terms to secure a lower payment and save money every month. Using home equity in this manner can be a better option than a personal loan or putting charges on a credit card because cash-out refinances offered by Lincoln 1st usually have lower interest rates than most credit cards.
Here are some ways a refinance can help you:
Lower Monthly Payments – Today’s interest rates may be lower than when you signed your original mortgage. You can also refinance to lengthen the term of your mortgage and at the same time lower your monthly payments.
Cash in Hand – Have that once-in-a-lifetime event or want to treat yourself to a lavish vacation? Think of a cash-out refinance. It allows you to take advantage your home’s equity by replacing your current loan with a higher-value loan and taking out a portion of the equity.
Renovations/Maintenance – You can enjoy your home even more without it affecting your wallet or pocketbook. Refinancing allows you to re-invest in your home and reap some comforts. Maybe it’s a new deck or patio. Perhaps a home theater, bigger kitchen, or extra bathroom. Sometimes, it can help with maintenance, such as a new roof or repairing a central air/heat system.
Vacation Home Mortgages
Considering buying a vacation home? Lincoln 1st can help you find the best escape where you can relax. We can help you decide if you should make the down payment using your savings, cash-out refinance from your primary residence, or a home equity line of credit (HELOC).
Our committed team of community members will also help you answer non-financial questions to consider. How will you will use your vacation home? How much time will be spent in it? Will you rent it to help offset the costs? The more you know up front, the better choice you will make.
Apply Now! It’s Convenient
Lincoln 1st offers the convenience of applying online through our Secure Forms application for one of our Fixed Rate or Adjustable Rate mortgage products.
Apply Now
*Completed loan applications that are submitted after 5:00 PM, on weekends, and on Federal Bank Holidays are deemed to have been received by the Bank on the next business day. Lincoln 1st Bank accepts loan applications for Individuals, Businesses, and real estate financing located in the State of New Jersey. Please visit our rates page or contact a Lincoln 1st representative for additional fixed and adjustable rate mortgage product options and information.
*Rates & terms are subject to change without notice.
For a complete listing of our MLO's and their NMLS ID please Click Here
This slideshow visually displays up to three slides one at a time. The carousel is set to autoplay a different slide every eight seconds. Inactive slides are hidden for all users. Use play/pause button, slide pagination, left/right arrow keys, or swiping to navigate through all slides. All links contained in the carousel are available in website navigation or elsewhere on the page.
Move past the hero sectionGet the money you need to make the updates you've been dreaming of. We have several loan options available. Discover the right one for you.
Depositing checks is now as simple as taking a selfie with mobile deposit. Try it today.
Set up an automatic savings plan and save money without even thinking about it. You pick the amount and how often transfers are made into your savings account then watch it grow. It's that simple. Get started today!
This slideshow visually displays up to six slides. On mobile devices this slideshow displays slides one at a time. Inactive slides are hidden for all users. Use slide pagination, left/right arrow keys, or swiping to navigate through all slides. All links contained in the carousel are available in website navigation or elsewhere on the page.
Move past the quicklinks sectionYour thoughts are valued. Please reach out with questions or suggestions.
Contact Us
Need to order checks? It's fast, easy and secure to order from Deluxe yourself.
Get Started
In addition, we are proud to say our employees take an active part in our communities!
community involvement
This slideshow visually displays up to three slides. On mobile devices this slideshow displays slides one at a time. Inactive slides are hidden for all users. Use slide pagination, left/right arrow keys, or swiping to navigate through all slides. All links contained in the carousel are available in website navigation or elsewhere on the page.
Move past this ad sectionWorried about switching automatics to your new account with us? We've partnered with ClickSWITCH™ to make it easy for you to switch your direct deposits and automatic payments online. Sign up to receive more information on setting up a ClickSWITCH™ code.
We will be in touch with you soon.
At First Bank Hampton, we are committed to the success of our local communities, and the people and businesses that call them home. We believe there is value in being a community bank. We are continually preparing for the future by expanding our technology, products and services.
Fixed-rate mortgages have a consistent interest rate and monthly payment for the term of your home loan. Typical fixed-rate mortgages last 15 or 30 years. Adjustable-rate mortgages have a variable payment and interest rate. They can be a good option for homeowners who expect to move before rates change. Both offer low down-payment options.
As a South Dakota Housing Development Authority participating lender, we offer a first-time homebuyer loan. With options for no down payment and low rates, it can be a good option for new homeowners and those who haven’t owned a home in the last three years. Talk with a mortgage banker about restrictions that apply.
Insurers and guarantors allow lenders, like us, to provide better home financing terms to more potential homebuyers. Talk with our mortgage bankers today about how Federal Housing Authority, Veterans Administration, USDA Rural Development, and Private Mortgage Insurance programs may benefit you.
Looking to build the home of your dreams? A construction loan can get you started. These short-term loans can often be converted into a mortgage upon your home’s completion.
Sometimes it makes sense to refinance or pay off your original mortgage and create a new one. Refinancing may help lower your monthly payment and your interest rate depending on the market. Talk with a mortgage professional to see if refinancing is right for you.
A home equity loan or line of credit allows you to use the equity you’ve built up in your home as collateral. The equity is the difference between the current value of the home and your current mortgage balance. Sometimes called a "second mortgage", a home equity loan typically has a shorter term.
Home Equity Line of Credit Features:
Home Equity Loan Features:
Our mortgage lenders are here to help with all of your home buying needs. Let us help you find the right fit for your next home purchase.
Mortgage Lending
Personal Service & Support
Learn More
Mortgage Loans
Whether you're buying your first home, upgrading to a new one, or looking to refinance your existing home, we're here to help find the right loan for you. Fill out our pre-qualification application or speak with a Mortgage Specialist to start the application process.
Take the guesswork out of shopping for a home with First Bank's pre-qualification program, First Express Mortgage. Just complete the information requested and you're on your way. Within one to two business days, we'll let you know if you are qualified so you can shop for your new home with confidence.
Note: This is a pre-qualification process only.
First Bank offers competitive mortgage interest rates. Interest rates can change quickly and frequently. For current interest rate information, call us at 940.696.0000 or email [email protected]
For more information or help with mortgage pre-qualification, please email us at [email protected] or call us at 940.696.0000 to make an appointment with a Mortgage Specialist.
Don't take our word for it
I love First Bank because I have always felt important and taken care of! I have been with them for over 30 years. They have gone above and beyond to help with my needs.
First Bank is very easy to work with – they're a great team. I couldn’t imagine banking with anyone else.
When I started looking for a loan, a friend recommended First Bank. I had such a good experience, I have since moved all my banking there.
I know First Bank understands the amount of trust that has to exist between banker and customer.
Information provided by the FDIC about your financial health during the COVID-19 pandemic.
Helpful information provided by the FDIC about your financial health during the COVID-19 pandemic.
View ArticleAlways in your corner.
Financial resources to help with budgeting, retirement planning, financial aid for higher education, debt reduction, and more.
View ArticleWire Transfer Instructions
Wire transfer instructions for incoming domestic wires and incoming international U.S. Dollar wire transfers.
View ArticleAll Mortgage Resources→
You’re ready to get to a better place. What you need is the bank that gets your vision. You may envision your children seeing the sky from their backyard swing instead of an apartment window. Building a home to fill with memories of family milestones, holiday dinners and perfect Sundays. Or fulfilling a dream of watching your children head off for college. At FirstBank Mortgage your better place is what we do best and our local loan officers help you get there. Take the first step and contact us. On your way to a better place you’ll find a truly better bank. FirstBank Mortgage Loan Officers consistently rank five stars for service, accessibility and mortgage know-how as reviewed by our own customers. Check out our latest customer reviews here >
The FirstBank Forward initiative is our opportunity to shape our future across our footprint through efforts and partnerships that align with our company’s values and expertise and make our communities better, one change at a time. Through FirstBank Forward, we strive to build vibrant communities with our programs, products and services designed to foster affordable housing, drive economic development, and promote education in the neighborhoods in which we serve. FirstBank, along with six other companies, was recently recognized as a 2020 Diversity and Inclusion Residential Leadership Award recipient by the Mortgage Bankers Association for their efforts in going above and beyond to cultivate a diverse and inclusive environment. For companies with less than 1,000 employees, FirstBank was recognized for its market outreach strategies and focus on product development and partnerships along with providing numerous training opportunities and resources. To learn more about FirstBank Forward, click here >
If you want the latest mortgage news and home buying info and tips, visit the FirstBank Mortgage Blog. We publish monthly articles that cover a wide array of topics that will help you in the purchase of your first home, second home or investment property. Visit the FirstBank Mortgage blog here >
We recently published a First-Time Homebuyer Guide to assist those buying a home for the first time. You can view and download the 21-page guide that will walk you through detailed information on how much you can afford, what you need to qualify, why you should get pre-approved, and much more. Access the First-Time Homebuyer Guide here >
Read our Privacy Notice for California Residents >
This slideshow visually displays up to three slides one at a time. The carousel is set to autoplay a different slide every eight seconds. Inactive slides are hidden for all users. Use play/pause button, slide pagination, left/right arrow keys, or swiping to navigate through all slides. All links contained in the carousel are available in website navigation or elsewhere on the page.
Move past the hero sectionGet the money you need to make the updates you've been dreaming of. We have several loan options available. Discover the right one for you.
Depositing checks is now as simple as taking a selfie with mobile deposit. Try it today.
Set up an automatic savings plan and save walmart gift card balance 12 digits without even thinking about it. You pick the amount and how often transfers are made into your savings account then watch it grow. It's that simple. Get started today!
This slideshow visually displays up to six slides. On mobile devices this slideshow displays slides one at a time. Inactive slides are hidden for all users. Use slide pagination, left/right arrow keys, or swiping to navigate through all slides. All links contained in the carousel are available in website navigation or elsewhere on the page.
Move past the quicklinks sectionYour thoughts are valued. Please reach out with questions or suggestions.
Contact Us
Need to order checks? It's fast, easy and secure to order from Deluxe yourself.
Get Started
In addition, we are proud to say our employees take an active part in our communities!
community involvement
This slideshow visually displays up to three slides. On mobile devices this slideshow displays slides one at a time. Inactive slides are hidden for all users. Use slide pagination, left/right arrow keys, or swiping to navigate through all slides. All links contained in the carousel are available in website navigation or elsewhere on the page.
Move past this ad sectionWorried about switching automatics to your new account with us? We've partnered with ClickSWITCH™ to make it easy for you to switch your direct deposits and automatic payments online. Sign up to receive more information on setting up a ClickSWITCH™ code.
We will be in touch with you soon.
At First Bank Hampton, we are committed to the success of our local communities, and the people and businesses that call them home. We believe there is value in being a community bank. We are continually preparing for the future by expanding our technology, products and services.
Apply Now
Lincoln 1st – Your Home for Mortgages
Your mortgage may be one of the biggest and most my first bank mortgage investments in your entire life. For all of us in Morris County, that’s particularly true, as our average home price was $515,201.41 in 2020
That’s why you need a trusted mortgage professional who can walk you through the entire process – and through the front door of your dream home. The Lincoln 1st team can help you find the mortgage that fits your budget and lifestyle.
Whether you are a first-time homebuyer, moving to a bigger house, or empty nesters planning to downsize, your community Lincoln 1st team can help. We can also give you the terms you need to purchase that vacation home you’ve always wanted or that investment property to bring in extra money. Whatever your specific needs, we have a product for you.
Neighbors You Can Count On
We are so much more than just great rates, though. Unlike many my first bank mortgage big banks, our mortgage team professionals are local – many live in Morris County. So, we will do more than help you select the right home mortgage. We know the neighborhoods, towns, and people, so you can confidently make one of the my first bank mortgage decisions of your life.
We will be with you every step of the journey. You can rely on us to answer any and all your questions throughout the entire process. We are committed to making sure you select a home that meets your budget. We also ensure we close your loan on time, so you move into your dream house without added stress.
We are dedicated to protecting the integrity of our relationships. You can always count on the total commitment of our mortgage team
Fixed Rate Mortgages
Our most popular loan product is a fixed rate mortgage. It is the mortgage-of-choice for first-time home buyers, as well as those buying a second home, refinancing their current home mortgage, or looking to buy that vacation spot down at the Jersey Shore, in the scenic locales in western New Jersey, or out-of-state.
A fixed rate mortgage is so popular because it’s simple. You have a consistent monthly amount that includes the fixed interest rate payment and principal over the entire 15- or 30-year term. Knowing that your monthly payment will not change enables you to more confidently know the home of your dreams fits within your budget. (Note: Total interest paid is determined by the loan term. Websters dictionary citation see our mortgage rates page for terms and today’s great rates.)
For information on our low fixed rates, please contact:
Andrew Karpinecz - Phone: 862.377.4981; Email: [email protected]
Gabe Silverio - Phone: 862.377.5110; Email: [email protected]
Joseph Santini - Phone: 862.260.0006; Email: [email protected]
Lincoln 1st Bank offers an Adjustable Rate Mortgage program in terms of 5 and 7 years. The interest rate applied on the outstanding balance in an ARM varies throughout 53 bank hours near me life of the loan. An ARM can be a smart financial choice if you are a home buyer who plans to pay off the loan in full within a specific time or have the financial resources to absorb a higher monthly payment if the rate increases.
Contact a Lincoln 1st representative to discuss the potential benefits or risks of an ARM to determine if this product is right for you.
Get Prequalified for a Mortgage
Just starting your new home search? The perfect first step is to be prequalified. It will give you a big picture of your approved mortgage.
Contact us and we will write a prequalification letter, you will have our written commitment to you as to how much we will lend. It’s a big help when reviewing your budget to make sure you are ready for homeownership.
Refinance Your Home
A mortgage refinance can be a wonderful tool to leverage the equity of your home. Refinancing allows you to change mortgage terms to secure a lower payment and save money every month. Using home equity in this manner can be a better option than a personal loan or putting charges on a credit card because cash-out refinances offered by Lincoln 1st usually have lower interest rates than most credit cards.
Here are some ways a refinance my first bank mortgage help you:
Lower Mechanics bank locations near me Payments – Today’s interest rates may be lower than when you signed your original mortgage. You can also refinance to lengthen the term of your mortgage and at the same time lower your monthly payments.
Cash in Hand – Have that once-in-a-lifetime event or want to treat yourself to a lavish vacation? Think of a cash-out refinance. It allows you to take advantage your home’s equity by replacing your current loan with a higher-value loan and taking out a portion of the equity.
Renovations/Maintenance – You can enjoy your home even more without it affecting your wallet or pocketbook. Refinancing allows you to re-invest in your home and reap some comforts. Maybe it’s a new deck or patio. Perhaps a home theater, bigger kitchen, or extra bathroom. Sometimes, it can help with maintenance, such as a new roof or repairing a central air/heat system.
Vacation Home Mortgages
Considering buying a vacation home? Lincoln 1st can help you find the best escape where you can relax. We can help you decide if you should make the down payment using your savings, cash-out refinance from your primary residence, or a home equity line of credit (HELOC).
Our committed team of community members will also help you answer non-financial questions to consider. How will you will use your vacation home? How much time will be spent in it? Will you rent it to help offset the costs? The more you know up front, the better choice you will make.
Apply Now! It’s Convenient
Lincoln 1st offers the convenience of applying online through our Secure Forms application for one of our Fixed Rate or Adjustable Rate mortgage products.
Apply Now
*Completed loan applications that are submitted after 5:00 PM, on weekends, and on Federal Bank Holidays are deemed to have been received by the Bank on the next business day. Lincoln 1st Bank accepts loan applications for Individuals, Businesses, and real estate financing located in the State of New Jersey. Please visit our rates page or contact a Lincoln 1st representative for additional fixed and adjustable rate mortgage product options and information.
*Rates & terms are subject to change without notice.
For a complete listing of our MLO's and their NMLS ID please Click Here
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You’re ready to get to a better place. What you need is the bank that gets your vision. You may envision your children seeing the sky from their backyard swing instead of an apartment window. Building a home to fill with memories of family milestones, holiday dinners and perfect Sundays. Or fulfilling a dream of watching your children head off for college. At FirstBank Mortgage your better place is what we do best and our local loan officers help you get there. Take the first step and contact ally financial formerly gmac. On your way to a better place you’ll find a truly better bank. FirstBank Mortgage Loan Officers consistently rank five stars for service, accessibility and mortgage know-how as reviewed by our own customers. Check out our latest customer reviews here >
The FirstBank Forward initiative is our opportunity to shape our future across our footprint through efforts and partnerships that align with our company’s values and expertise and make our communities better, one change at a time. Through FirstBank Forward, we strive to build vibrant communities with our programs, products and services designed to foster affordable housing, drive economic development, and promote education in the neighborhoods in which we serve. FirstBank, along with six other companies, was recently recognized as a 2020 Diversity and Inclusion Residential Leadership Award recipient by the Mortgage Bankers Association for their efforts in going above and beyond to cultivate a diverse and inclusive environment. For companies with less than 1,000 employees, FirstBank was recognized for its market outreach strategies and focus on product development and partnerships along with providing numerous training opportunities and resources. To learn more about FirstBank Forward, click here >
If you want the latest mortgage news and home buying info and tips, visit the FirstBank Mortgage Blog. We publish monthly articles that cover a wide array of topics that will help you in the purchase of your first home, second home or investment property. Visit the FirstBank Mortgage blog here >
We recently published a First-Time Homebuyer Guide to assist those buying a home for the first time. You can view and download the 21-page guide that will walk you through detailed information on how much you can afford, what you need to qualify, why you should get pre-approved, and much more. Access the First-Time Homebuyer Guide here >
Read our Privacy Notice for California Residents >
Fixed-rate mortgages have a consistent interest rate and monthly payment for the term of your home loan. Typical fixed-rate mortgages last 15 or 30 years. Adjustable-rate mortgages my first bank mortgage a variable payment and interest rate. They can be a good option for homeowners who expect to move before rates change. Both offer low down-payment options.
As a South Dakota Housing Development Authority participating lender, we offer a first-time homebuyer loan. With options for no down payment and low rates, it can be a good option for new homeowners and those who haven’t owned a home in the last three years. Talk with a mortgage banker about restrictions that apply.
Insurers and guarantors allow lenders, like us, to provide better home financing terms to more potential homebuyers. Talk with our mortgage bankers today about how Federal Housing Authority, Veterans Administration, USDA Rural Development, and Private Mortgage Insurance programs may benefit you.
Looking to build the home of your dreams? A construction loan can get you started. These short-term loans can often be converted into a mortgage upon your home’s completion.
Sometimes it makes sense to refinance or pay off your original mortgage and create a new one. Refinancing may help lower your monthly payment and your interest rate depending on the market. Talk with a mortgage professional to see if refinancing is right for you.
A home equity loan or line of credit allows you to use the equity you’ve built up in your home as collateral. The equity is the difference between the current value of the home and your current mortgage balance. Sometimes called a "second mortgage", a home equity loan typically has a shorter term.
Home Equity Line of Credit Features:
Home Equity Loan Features:
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