The benefits of pre-qualification
The real estate market remains competitive, and being pre-qualified for a mortgage can give you an edge over other buyers during the bidding process—it demonstrates to real estate agents and sellers that you can secure a mortgage and make a real offer right away. Plus, it’s easier to search for the right home when you already know how much home you can afford.
As a small, local bank with big bank capabilities, we offer homebuyers:
Choose the mortgage loan that’s right for your needs:
Whether you’re buying your first home, have been through the process before, or want to build something all on your own, we’re your dedicated, experienced partner—and we’re part of your community.
Our competitive rate on a 30-Year Fixed Rate Mortgage*:
6.75%RATE*
6.893%APR*
Based on the loan amount of $400,000 for 30 years. Your 360 monthly payments will be equal and consecutive payments of $2,594.39. The actual payment may be greater because taxes and insurance are not included.
With First Hope Bank, a mortgage is more than just a loan.
As a family-owned bank since 1911, First Hope Bank is uniquely dedicated to the
people of our community. We have extensive knowledge of the local real
estate market, and can help you move efficiently and seamlessly through the homebuying process.
You can get pre-qualified or apply online today.
Our Mission
To help our customers turn their hopes into reality and be an active contributor to our community’s success.
First Hope has grown and flourished under the guidance of four generations of family leadership, and continues to thrive through technological advancements and services in order to stay ahead of the evolving financial industry. We offer a comprehensive suite of financial management tools for everyone including both consumer and commercial services as well as a well-rounded Wealth Management division. We are proud of our history and community commitment, and are focused on expanding the history of the bank for the next hundred years.
*Interest Rates vary daily and are accurate as of May 19, 2025 and subject to change without notice. Terms and conditions are subject to change. Subject to approval. Principal and Interest payments do not include taxes, insurance, or monthly mortgage insurance, if applicable. Flood insurance may be required. Monthly principal and interest payment information assumes an equal consecutive monthly payment for the duration of the mortgage. A minimum credit score of 740, 75% Loan To Value (LTV), Debit to Income Ratio (DTI) not greater than 45%, purchase of a primary residence, single family detached not including condominiums in Morris, Sussex and Warren Counties, New Jersey, first lien mortgages without subordinate financing and with escrow for taxes and insurance. Standard conforming loan limits apply. Rates may be higher for condos, refinance transactions and/or refinancing of subordinate liens. Loans over 80% LTV require PMI insurance. All loans are subject to full underwriting review. Company NMLS #460885
