Whether you’re buying or refinancing a home, PFCU’s Mortgage Center has got you covered –
every step of the way.

At PFCU, our main focus is to provide a full array of mortgage products and to service them throughout the life of the loan. 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.

Our team of professionals provides 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.

Visit The Mortgage Center »

Refinance & Save
Refinancing your current mortgage to a lower rate can result in lower payments, bigger savings and possibly a shorter mortgage term. Reducing the length of your mortgage loan term will save you a lot of money in interest. If you’re currently paying a higher rate on your mortgage to another lender, you could see a significant cost reduction and keep more of your money by refinancing with PFCU now.

Flat Fee Mortgage Program
For many people, paying a few thousand dollars or more in closing costs is a barrier preventing them from taking the next step in owning a home. Picatinny has removed those roadblocks to homeownership by offering a Flat Fee Program for New Home Purchases and for Mortgage Refinance.** You will pay a Flat Rate of $479 to refinance your mortgage and a Flat Rate of $1,500 for new home purchases. Not one penny more for any Picatinny Fees.

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

  • Title Fees
  • Application Fees
  • Attorney Review
  • Credit Report
  • Flood Certification
  • Tax Service
  • IRS Tax Verification
  • Appraisal Fee
  • Origination Fee
  • Mortgage Recording


* APR=Annual Percentage Rate

10 YEAR FIXED3.211% APR Apply
15 YEAR FIXED3.359% APR Apply
20 YEAR FIXED3.938% APR Apply
30 YEAR FIXED4.137% APR Apply

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 – this is our commitment to you. With different terms for fixed and adjustable rate mortgages (ARMs) we’ll help you find the best loan product for you.
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 convenient tools.
Popular FAQs
Have a question about a mortgage product offered? It’s likely already been asked and you can find the answers you need in our Frequently Asked Questions.

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

* Savings is based on an average home purchase of $200,000.

** Flat Fee Closing Programs are available for single and two-family owner-occupied properties in NJ. Other programs are available for other properties. Flat Fee is non-refundable and payable upon return of the signed preliminary loan application disclosures. Applicant must use Picatinny Federal Credit Unions (PFCU) designated title insurance company and the owner’s policy is limited to an amount equal to the amount of the mortgage loan. Approved refinance and new purchase applicants will be responsible for funding interim interest and an escrow account for property taxes and insurance. All applicants with a loan to value over 80% require Private Mortgage Insurance (PMI), which is funded by the applicant. New purchase applicants will also be responsible for survey costs, applicant’s attorney fees and all settlement items between applicant as buyer and seller for the purchase of applicant’s home. Maximum loan amount of $424,100 and the minimum loan amount is $100,000. Maximum loan to value (LTV) is 95%. Any member that has financed their mortgage with PFCU in the last twenty four (24) months is not eligible for this program. To qualify for membership, you must open a savings account with a minimum deposit of $5. Applications 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.