Mortgage Center

House 4

First Mortgages & Refinancing Center

There is no better time to buy a new home. Today’s super low rates can make home ownership more affordable than renting. Whether you’re a first time buyer, want to downsize or purchase a second home, our low rates and flexible terms make it more affordable.

  • Low Fixed Rates
  • No Points Program Available
  • Low Closing Costs
  • Less Paperwork For Faster Closings
  • FHA Mortgages Available
  • Interest Is Usually Tax deductible*

Refinance & Save!

Save instantly when you refinance the mortgage you currently have with another financial institution with Garden State. Call for the details.

Applying Is Easy & Convenient

If you are an experienced home buyer, we’ll make the application process as fast and easy as possible. If you are a first time buyer, we’ll guide you through the mortgage process step-by-step. Call Michael Cesarano at 800-713-2274, Ext.110 − or stop by the credit union for the details.

Click for branch locations.


*Check with your tax adviser. Mortgage tax-deductible interest eligibility depends on your specific tax situation. Most members qualify.