Mortgages
Dreaming of a new home?
We’re here to help you live the life you want. That’s why we offer a wide variety of mortgage options, including fixed, adjustable and jumbo mortgages. Jovia can make that dream home happen.
In addition to low mortgage rates, we even offer no-closing cost options and more! And, we can walk you through the process to make it all easier. We’ll provide the information and support you need including local underwriting and servicing.
Not ready to apply? Contact a Mortgage Specialist
Benefits of borrowing from Jovia
Easily apply online
Apply for a mortgage in 15 minutes or less with our mobile-friendly application. And, if you aren’t ready to apply, you can get an idea of what you can afford with a pre-qualification.
Keep costs low
Take advantage of our low closing cost and no closing cost options to keep those initial payments to a minimum.1
Range of Mortgage Options
Gains access to a wide range or mortgage options, from first-time homebuyer programs to refinancing.
Loan OptionsCompare Mortgage Options |
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| Fixed-Rate Mortgage | Adjustable-Rate Mortgage | FHA Mortgage § | FHA 203K Mortgage § |
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Buyers who plan to stay in their home for many years. |
Buyers who don’t expect to stay in their home very long. |
Buyers who may benefit from flexible qualification requirements. |
Buyers who seek to purchase/refinance loans for home improvements. |
| Apply Now | Apply Now | Apply Now | Apply Now |
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Benefits |
Benefits |
Benefits |
Benefits |
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Interest rate stays the same Payments will not change Lower down payment |
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Credit flexibility Low interest rates As little as 3.5% down payment |
Renovate and refresh your home |
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Options |
Options |
Options |
Options |
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15 Year Fixed |
7/1 Adjustable |
15 Year Fixed 30 Year Fixed |
15 Year Fixed 30 Year Fixed |
Featured Rates & Terms
Check out our featured mortgage rates below.
Ready to explore all of your options? Click here to see all mortgage rates.
Additional Mortgage Options
At Jovia, we know every homeowner's journey is different. That's why we offer specialized mortgage options designed to meet your unique needs.
VA Mortgage
Affordable Financing for Veterans
As a veteran, active-duty service member, or eligible surviving spouse, you’ve earned valuable benefits that can help you achieve homeownership.
With a VA loan**, you can access home financing with fewer barriers and greater flexibility. VA loans offer significant advantages, including no mortgage insurance, which means lower monthly payments. You can also finance up to 100% of your home’s value, meaning no down payment may be required. Additionally, there are limits on closing costs, ensuring that you won’t be burdened with unnecessary fees.
Reverse Mortgage
Unlock the Value of Your Home
If you’re 62 or older and have built up significant equity in your home, a reverse mortgage∆ could be the key to greater financial freedom.
With a reverse mortgage, you can access your home’s equity without having to sell or move. Best of all, no monthly mortgage payments are required, helping you boost your monthly cash flow. Many seniors qualify with just their Social Security income, making it an easy and flexible option. Plus, the interest on the loan is deferred, so you don't pay it until you sell the home, move out, or the home is no longer your primary residence.
A reverse mortgage can give you the peace of mind and financial breathing room you deserve.
Meet the Mortgage Team
Jovia's mortgage specialists are here to help you through every step of the homebuying process.
Bob Richter
Bob Richter
Bob has been with Jovia as a Loan Officer since 2017 and prides himself on listening first, then advising members on the best options for home refinancing or purchasing needs. With 35 years in the mortgage industry, Bob loves working at Jovia Financial Credit Union and is very gratified to help members maintain a strong financial status while reaching important life goals.
Dhalia Allard
Dhalia Allard
As a loan officer, Dhalia knows that for many members, the path to home ownership can be an emotional journey. Her hope is to help members’ dreams come true by advising them on appropriate loan options that balance risk and return. From initial contact through closing, Dhalia prides herself on providing superior customer support.
Jay Goldstein
Jay Goldstein
Jay has 16 years of experience in the mortgage industry and is proud to be part of a dedicated group of professionals who truly care about providing the finest service to Jovia Financial Credit Union members. He specializes in purchase and refinance loans and strives to offer his clients the most enjoyable mortgage experience in the industry.
Questions? We have answers!
Speak to a Jovia mortgage specialist to review your options.
All mortgage loans will be scheduled to close in our attorney’s office in Mineola or at our Commack branch in Suffolk County.
If you need to close in another location, please have your attorney contact our attorney’s office to coordinate the location. Please note, our attorney may charge a travel fee for any loan that closes outside of these two offices.
You can determine your monthly payments by using this useful mortgage calculator.
Yes, we do offer modifications on first mortgages. For more information, please visit your local branch to set up an appointment with a mortgage loan officer or give us a call at (516) 561-0030 ext. 2850
We're here to help you determine the best way to help you save money on your mortgage. To get an accurate quote and learn more about refinancing options please contact us at (516) 561-0030 ext. 2850 or request a quote online.
We offer a variety of lock options which include different lock periods, rate buy-downs and lender credits. Deciding what works best for you depends on various factors (e.g. When are you closing? Do you need money for your closing costs?)
Your loan officer will walk you through the process and help you decide which option is best for you.
