Member First Mortgage

We partner with Member First Mortgage, LLC (MFM) to bring you a wide range of great mortgage programs, competitive rates, and excellent service! Through our partnership with MFM, a Credit Union-owned mortgage lender, we can offer a variety of home loan options to fit the unique financial needs and goals of our members.

We offer a full suite of conventional and government loan programs, including FHA, USDA/Rural Development, and Veterans Administration (VA), as well as conventional fixed and adjustable rate programs, and more!

  • Complete suite of mortgage programs
  • Competitive rates and closing costs
  • Purchase or refinance
  • Full team of mortgage experts
  • Low down payment programs
  • Easy online application

Community Heroes Program

Local homes for local heroes! This innovative program offers the flexibility to turn first responders into first-time homeowners.

  • Primary residence only
  • 1% down payment, gifts and grants allowed
  • 720 credit score required
  • Transaction type: Purchase

For more information about this program and to see if you qualify, contact:

Chris Papagni*

Mortgage Consultant, MLO#282725

Member First Mortgage, LLC (NMLS ID #149532)

Direct Line:  973-937-4934


Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
Account Type
Min Balance to Earn
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*Christopher Papagni, MLO/NMLS # 282725 is authorized to represent Member First Mortgage, LLC, a licensed Mortgage Lender/Servicer (Company NMLS ID #149532) and is proud to serve its partner, EdiFi Credit Union. For MLO licensing information, please visit NMLS Consumer Access

All lending products are subject to credit and property approval. Terms, conditions, and interest rates are subject to change without notice. Certain restrictions may apply and may vary based on borrower qualification and collateral conditions. This is not a commitment to lend.