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Mortgage
SPECIAL OFFER
$400 OFF Closing Costs, Opens Doors
EdiFi helps you lay the foundation for your future with a mortgage that fits your needs and budget.
EdiFi Checking Account Benefits
All checking accounts come standard with:
No minimum balance
Enjoy no minimum balance requirements on ALL EdiFi Checking accounts.
Free eStatements
Get FREE monthly eStatements or receive paper statements for only $2 per month.
Free EdiFi ATM use
Get unlimited, FREE usage of all EdiFi ATMs.
6 Free non-EdiFi ATM withdrawals, monthly
Take advantage of 6 FREE Non-EdiFi ATM Withdrawals every month!
Over 30K surcharge-free ATMs to choose from
Access over 30,000 surcharge-free ATMs within our shared branching network.
Bank anytime, anywhere
Utilize online & mobile banking with Bill Pay, Zelle®, and mobile deposit.
Home Dreams, Realized
EdiFi Credit Union and Member First Mortgage, LLC (MFM) have teamed up to provide affordable mortgage solutions and excellent service to our members.
- Wide range of loan offerings
- Affordable down payment options
- Competitive rates & closing costs
- Expedited closings
- Easy online application
Conventional Fixed Rate Mortgage
A Conventional fixed rate mortgage provides the borrower peace of mind knowing their monthly payment will be the same for the life of the loan. With multiple term options to choose from, you can pay off your mortgage at a pace that's best for your unique situation. Fixed interest rates will always remain the same, and your principle and interest payment will never change. If you appreciate the convenience of a consistent mortgage payment, this could the perfect program for you!
Adjustable-Rate Mortgage
At EdiFi, we believe in helping you make educated financial choices. A 5/5 ARM is a practical option for members who want lower initial payments and plan to reassess their needs down the road— whatever the future holds, plan for it with EdiFi.
- Great for buyers who need a lower initial payment
- Competitive initial interest rate for the first 5 years (60 months)
- Rate adjusted every 5 years (60 months)
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
Helpful Resources
Special Offers
Account Type
Min Balance to Earn
APY*
Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
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Rates
Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
Account Type
Min Balance to Earn
APY*
No items found.
Have a Question?
Contact Us Today
Have a question or need assistance? Our team is happy to help! Please complete our short form and we'll contact you.
Disclosures
*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.
