PERSONAL
LENDING

When searching for your ideal home, you pay close attention to the details that matter most to you. We do that too, when we’re crafting your perfect loan. Whether you are buying or refinancing a home, we listen to what you value most and then match you with the right mortgage. Our Fixed, Adjustable and Affordable Mortgages, Home Equity Loans and Lines of Credit are often the foundation of our customers’ greatest life moments.


Our Mortgage Advisors are here to answer all of your questions, call us at 201-683-8800 or email us at Mortgage@bluefoundrybank.com.

MORTGAGES

When searching for your ideal home, you pay close attention to the details that matter most to you. We do that too—for you—when we’re crafting your mortgage. Whether you are buying or refinancing a home, we listen to what you value most and then match you with the right mortgage. We offer the following types of home loans, with Down Payments as low as 5%:

Fixed & Adjustable Rate Mortgages Learn More:

  • Mortgage Plus Loans


Affordable Housing
Learn More:

  • First Time Home Buyer Mortgages
  • Community Mortgages
  • Federal Home Loan Bank Homebuyer Dream Program
    (Funds Available in 2023)
  • Bergen County American Dream Program, please call Jacqueline Atkins, Program Director for details at 201-336-7206.

Residential Mortgages

MORTGAGE PLUS LOANS

COMPETITIVE RATES WITH ZERO POINTS AND A QUICK & EASY PROCESS

Our Mortgage Advisors are at the ready to assist you with the Fixed or Adjustable Rate Residential Mortgage you need, whether purchasing your first home or refinancing your current. With down payments as low as 5%, personalized service, and a connection to our industry leading Blue Axis® Checking and Blue Axis® Savings accounts your new loan is right around the corner. Start the mortgage process today by requesting a Pre-Approval, our process is quick and easy. Learn More

Apply Now | Call Us at 201-683-8800
Request a Pre-Approval | Email Us

Affordable Mortgages

FIRST-TIME HOMEBUYER MORTGAGE

Your first home is a leading step in the investment of your future and that’s why we offer a down payment as low as 5% for our first-time homebuyers. You want a mortgage that meets you where you are now and accommodates those ambitions yet to come. Our lending specialists are here to guide you from the moment you fill out an application all the way through closing. Learn More

Eligibility Requirements:

    • May be eligible for fee waivers on application fees
    • Income and/or census tract restrictions apply
    • The borrower must NOT have owned a home in the past 3 years
    • Properties must be located in Bergen, Passaic, Morris, Essex, or Hudson Counties
    • Available for buying owner-occupied, primary residence


Available for purchase only. Other restrictions may apply.  

Call to Apply | Apply Now | Email Us

COMMUNITY MORTGAGE

When you buy a home, you forge a relationship within the neighborhood. It’s a move that impacts a lot of people for the better, including you. To make that move as profitable as possible, we offer a down payment as low as 5% for purchasing or rate term refinancing. Learn More

Eligibility Requirements:

    • May be eligible for fee waivers on application fees
    • Income and/or census tract restrictions apply
    • Properties must be in a low or moderate census tract as determined by FFIEC.gov.
    • Properties must be located in Bergen, Passaic, Morris, Essex, or Hudson Counties
    • Available for buying a one or two family owner-occupied primary residence


Available for purchasing or rate term refinancing. Other restrictions may apply.  

Call to Apply | Apply Now | Email Us

FEDERAL HOME LOAN BANK HOMEBUYER DREAM PROGRAM®

Funds are no longer available for 2022, please check back in 2023.

The Homebuyer Dream Program® is a grant program offered to eligible first-time home buyers that provides up to $10,000. Grant money can be used to pay up to $9,500 towards your down payment and closing costs, with up to $500 as credit towards an approved homeownership counseling program. Learn More

Eligibility Requirements:

  • Household is a first-time homebuyer
  • Income restrictions apply
  • Provide a fully executed Purchase and Sales Contract
  • A minimum equity contribution of $1,000 towards the purchase
  • Purchase an eligible property in New Jersey
  • Completion of homeownership counseling
  • Execution of a 5 year retention document at closing


Other restrictions may apply.  

Call to Apply | Apply Now | Email Us

BERGEN COUNTY AMERICAN DREAM PROGRAM

The program provides a 0% deferred second mortgage; combining up to $55,000 of HOME Program funds, which are paid back upon sale of house, transfer of title or the home no longer is your primary residence. Additionally, funds of up to $10,000 in matching down payment assistance are available to eligible applicants.

Eligibility Requirements:

    • Reside or work full-time in Bergen County
    • If filed for bankruptcy, must be discharged 5 years with re-established credit
    • Not have owned a home in the past three years
    • A household must have an annual income within the low/moderate income as stated by the Home Income Guidelines
    • Total income must be used to qualify for the program and will include all income from all sources, for all members of the household

TO APPLY, Contact: Jacqueline Atkins, Program Director 
201-336-7206 | jatkins@co.bergen.nj.us

Please note that Blue Foundry Bank is a sponsor of this Program and you need to apply directly with the Bergen County American Dream Program. You may be referred to another bank upon application.

Home Equities

HOME EQUITY LOAN

You have a lot of important financial needs. For a smart way to finance them, take out a home equity loan. Choose from a range of terms and enjoy the same fixed rate and monthly payment. There are no points, fees or closing costs. Renovate your home, pay for an upcoming expense or fund just about anything. Our local lenders will show you the way.

Rates | Call Us at 201-683-8800

HOME EQUITY LINE OF CREDIT

A line of credit is like having cash on hand whenever you need it. Simply write a check for $500 or more as you would with a regular checking account. The line is secured by your home, and you only pay interest on the money you use. As repayments are made, the funds become available once again.

Rates | Call Us at 201-683-8800

Loan Servicing

LOAN SERVICING

Blue is always here for you. If you are an existing customer in need of loan servicing, please call 888-931-BLUE.

AUTOMATIC LOAN PAYMENTS

Our automated funds transfer service is an effortless way to have your loan payment automatically deducted from your checking or statement savings account. When you enroll, the funds are then electronically submitted to us for immediate credit to your loan.

Authorization Form