Whether you’re buying a new home or refinancing your current mortgage to a lower rate, PFCU’s  Flat Fee Mortgage Program has got you covered. 
Our main focus is to assist you in finding the right mortgage product to meet your needs and budget.  We offer a variety of terms to meet your needs and since we service our own loans, you can be assured that our mortgage professionals will be there for you when you have any questions.

Flat Fee Mortgage Program
For many people, paying a few thousand dollars or more in closing costs is a barrier that prevents them from taking the next step in owning a home. Picatinny has removed those roadblocks to home ownership by offering a Flat Fee Mortgage Program for New Home Purchases and for Mortgage Refinance.  You will pay a Flat Fee of $299 to refinance your current mortgage and a Flat Fee of $599 for new home purchases.

What’s included in the Flat-Fee Mortgage Program:

  • Origination Fee
  • Appraisal Fee
  • Mortgage Recording Fee
  • Credit Report
  • IRS Tax Verification
  • Flood Certification
  • Tax Service

Refinance & Save
Refinancing your current mortgage to a lower rate may result in lower monthly payments, and possibly a shorter mortgage term. Reducing the length of your mortgage loan term will save you money in interest. If you’re currently paying a higher mortgage rate to another lender, you may see significant savings by refinancing with PFCU.  In addition, a refinance-cashout option is available.  Please speak to one of our mortgage professionals for details.


* APR=Annual Percentage Rate

10 YEAR FIXED3.151% APR Apply
15 YEAR FIXED3.104% APR Apply
20 YEAR FIXED3.584% APR Apply
30 YEAR FIXED3.686% APR Apply
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Our team of professionals provide an outstanding level of service and we are committed to keeping fees and rates as low as possible for our members, while assisting them through the entire loan process to become homeowners. Our mortgage professionals are trained to assist you every step of the way from the start of the application to closing. They will work with you and within your budget to select the mortgage option that is best for you.

A mortgage from PFCU means lower rates, lower fees and unmatched personal service.
Visit our Mortgage Center for rates, calculators and frequently asked questions.

Check Mortgage Rates
Our loan rates are extremely competitive. We offer terms for fixed and adjustable rate mortgages (ARMs) and we’ll help you find the best loan product to meet your needs.
Mortgage Loan Calculators
Find out how much home you can afford with our mortgage loan calculators. Calculate your monthly payments quickly and easily with our easy to use tools.
Popular FAQs
Have a question about a mortgage product offered? It’s likely that is has been already asked.  For your convenience, you can find the answers you need in our Frequently Asked Questions.  If not, please contact us at your earliest convenience.

Visit our Mortgage Center for rates, payment calculators and frequently asked questions.

* The Flat Fee Mortgage Program is available to borrowers purchasing or refinancing 1-4 family owner-occupied properties located in NJ and PA. The Flat Fee is non-refundable and payable upon return of the signed Initial Disclosure Package. Refinance and new purchase applicants will be responsible for interim interest, funding an escrow account for property taxes and insurance and all title insurance costs and attorney fees. Home purchase applicants will also be responsible for survey costs, and all settlement items between applicant as buyer and seller for the purchase of applicant’s home. Maximum loan amount of $484,350 and the minimum loan amount is $100,000. Maximum loan to value (LTV) is 95%. All applicants with a loan to value over 80% require Private Mortgage Insurance (PMI), which is funded by the applicant. Any member that has financed their mortgage with PFCU in the last twelve (12) months is not eligible for this program. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.


NMLS ID 402605