Phone Call (888) 519-7677 or
mailQuick Connect for a consultation

10 / 15 / 20 / 25 and 30 Year Fixed Rate Mortgage
Fixed rate mortgages ranging from 10-30 years are the most traditional of all mortgage products. Fixed rate mortgages offer a constant interest rate and standardized monthly payments for the duration of the term.

Thirty-Year Fixed Rate Mortgage
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper. As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

Fifteen-Year Fixed Rate Mortgage
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate—and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years. This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn't that great.

Adjustable Rate Mortgage's

3/1, 5/1, 7/1,10/1 or Hybrid Adjustable Rate Mortgage

Adjustable rate or hybrid arm mortgages offer a lower introductory interest rate for the initial period. The initial period may range from 3, 5, 7 or even 10 years before the first change due date. Arms have become increasingly popular, especially for homeowners who expect to move, or with shorter term plans.


CFPB's Settlement Cost Booklet - DOWNLOAD NOW
Press Releases

1st Constitution Bancorp Reports First Quarter 2015 Results

Click Here to Download


1st Constitution Bancorp Revises Payment Date of Five Percent Stock

Click Here to Download

APR Calculator

Enter Loan Information:

1) Amount of the loan:
2) Interest Rate:
3) Length of Loan (years):
4) Application / Processing Fees ($):
5) Total Closing Costs:

APR Information:

6) APR (%):
Total Loan Fees ($) Monthly Payment on Loan ($ / Month) Effective Monthly Payment ($ / Month)

Mortgage Calculator

Enter Loan Information:

1) Amount of the loan:
2) Interest Rate:
3) Length of Loan (years):

Payment Information:

4) Principal and Interest per Month: