Find your way home.
With Nova UA by your side
Explore flexible mortgage solutions tailored to your goals, with expert guidance every step of the way.
Flexible mortgage options. For every stage of homeownership
Conventional Loans
Home Equity Line of Credit
Fixed Home Equity Loans
Personalized support. Clear, transparent, and reliable.
Our mortgage specialists provide guidance every step of the way, with competitive rates and a focus on your goals.
Talk to Real People
Personalized assistance
Transparent Terms
No hidden fees, clear explanations
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Great Rrates
For every member
Personalized Support
That fits your goals
Compare our rates at a glance:
Note: *APR = Annual Percentage Rate. Rates are subject to change without notice and may vary based on creditworthiness and loan terms.
From application to closing. Step-by-step guidance
Before submitting your application, you will be required to open a savings account with NOVA UA FCU. This is a mandatory step in the onboarding process.
Meet with a loan officer to discuss needs.
Complete your checklist for a smooth process.
Finalize your loan with confidence.
Enjoy your new home!
Everything you need — forms and guidance at your fingertips
Access downloadable applications, checklists, or schedule a call with a loan officer.
Since 1960
People helping people
If you live, work, or attend school in our service area—you’re eligible.
Access to better rates, fewer fees, personal service, and smart digital tools.
Apply online in minutes or visit one of our branches.
More than banking — it’s how people feel about Nova UA FCU.
I’ve been doing both my personal and business banking with Nova for many years. Their online, mobile, and in-branch services are consistently excellent, and the staff are always helpful and professional.
Getting a mortgage can be stressful and overwhelming, but when we bought our first home, Nova’s loan department made everything easy and comfortable. They guided us through each step and truly cared about helping us.
When I first came to the United States, understanding how the banking system worked was very confusing. The team at Nova took the time to explain everything to me in my native language, which made a huge difference. Thanks to their patience and support, I felt confident and made the right financial decisions.
How do I apply for a mortgage?
You can start your mortgage application by:
- Visiting our branch and speaking with a mortgage specialist
- Calling our mortgage department to schedule an appointment
Our team will guide you through the application process, documentation, and approval steps.
What documents will I need to apply?
You can either contact us directly or download the checklist to see the required documents.
How do I make my mortgage payments?
Mortgage payments can be made via:
- Automatic payments from your Nova UA FCU account
- Online or mobile banking
- In person at the branch
- By mail
- External payment
Do you offer FHA loans?
No, Nova UA FCU does not currently offer FHA loans. If you are interested in other mortgage options or down payment assistance programs, please contact us to learn about the alternatives we provide.
Who qualifies for a mortgage at Nova UA FCU?
Mortgage loans are available only for properties located in New Jersey or New York State. If your property is outside these areas, unfortunately, we are unable to finance it at this time.
What is the difference between fixed and variable mortgages?
Fixed Rate Mortgage
The interest rate remains the same throughout the loan term, ensuring consistent monthly payments. This option is ideal for borrowers seeking long-term financial security and those who prefer the certainty of a fixed payment schedule, unaffected by market fluctuations.
Variable Rate Mortgage
A variable rate mortgage typically begins with a lower interest rate than a fixed-rate mortgage, offering potential cost savings in the early years. As market conditions change, your interest rate may adjust periodically. In periods of lower or stable interest rates, borrowers can benefit from reduced payments, making it a flexible and cost-effective choice for those comfortable with some variability in their loan terms.
Choosing the Right Mortgage
While fixed rate mortgages offer unwavering consistency, variable rate mortgages provide the opportunity for savings and adaptability, especially when interest rates are favorable. Depending on your financial goals, market conditions, and comfort with changes in your payment schedule, a variable rate mortgage may be a beneficial option to consider.
What kind of down payment do you require?
We typically require either:
- 20% of the sale price as a down payment to avoid private mortgage insurance (PMI), or
- 10% down payment plus PMI (Private Mortgage Insurance), which protects the lender and allows for a lower down payment.
Our mortgage specialists can help you determine the best option based on your financial situation.
Got questions?
We’re here to help.
Whether you're opening your first account or exploring your credit options — our team is just a message away.
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