More than Just a Mortgage
We offer mortgage services in Connecticut, Delaware, Florida, Georgia, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Virginia, and West Virginia.
Personal Service
Have questions? Let's talk. Our mortgage experts are here to help you figure things out.
Great rates
While rates are always subject to change, we offer some of the best around.
Free Seminars
Looking to learn more about buying a home? Come to a free mortgage seminar and learn just how simple financing can be.
Online Application
With our safe and straightforward online form, you can submit an application in just a few minutes.
Know your options
Mortgages Types
Whether you are buying your first home, a vacation home, are relocating or looking to refinance your existing mortgage, we have a mortgage program tailored to your needs
Construction loans
We'll work with you to finance the home of your dreams—even if it doesn't exist yet.
Mortgage Refinancing
Paying more than you should for your mortgage? Refinance with us and lower your monthly payments.
Land Loans
If you're looking to build a new home, we'll make financing your land purchase effortless.
Mortgage Rates
The loan programs we offer are unique to Members 1st. Your interest rate will be based on your credit history, current credit report and loan-to-value (LTV).
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Mortgage Calculator
Use this calculator to estimate monthly mortgage payments, interest payments, and the impact of principal payments.
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Resources
A Simple 'Recipe' for Managing Your Credit Score
The way your credit score works can seem mysterious, with several factors intertwining in complex ways.
Read More
10 Steps to Purchasing a Home
Home buying season is just around the corner and our team is here to assist you in purchasing your dream home! Together, we will navigate the home buying process and find you a home that is uniquely yours.
Read More
Make the Most of Your Home's Equity
As you continue to navigate through these unusual times, it could be the perfect time to tap into your home's equity.
Read More
Common Questions
A mortgage is a big commitment. Before you start house hunting, we suggest meeting with one of our mortgage experts to discuss your individual circumstances and needs.
This depends on your personal situation. A fixed rate mortgage means you have a set interest rate and your payments remain steady through the life of your mortgage. With an adjustable rate mortgage, your interest rate will fluctuate over the life of your loan, which affects the amount of your payment.
A down payment is cash that you pay up front to get the loan. It is deducted from the total amount of your mortgage and it is what helps you to start building equity in your home. It's best to talk with one of our mortgage experts to figure out what you need for your down payment.
To apply for a mortgage, you'll need to show proof of income. Talk with one of our mortgage experts prior to shopping for your home so you can get prequalified.
Still have questions?
Your home will likely be the biggest investment you ever make. Our team of highly knowledgeable—and super friendly—mortgage experts are here to guide you through the process.