Find a home and make it bright.
Find a home and make it bright.
Earn a $250 Home Depot® Gift Card when you purchase a new home with a mortgage from Jovia.* Apply by December 31, 2021 to be eligible for this special offer!
- - Apply online in 15 minutes or less
- - No closing cost options^
- - First-time homebuyer programs
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? Get pre-qualified
Our mobile-friendly application makes the pre-approval and mortgage application process a breeze...it can take less than 15 minutes! Apply, upload documents, keep track of the process or chat with one of our local mortgage advisors to get answers to your questions. Why wait when you can make that dream home yours?
Jovia’s closing costs are low compared to other financial institutions on Long Island. And, with our no-closing cost options^ , you can avoid some of the usual costs altogether.
Smaller Down Payments
Buying a home is a big step, and even with a mortgage, you still have to come up with a lot of cash for closing...all while trying to cover the other costs of home buying like boxes and new furnishings! That’s why we allow homebuyers to put as little as 3% down on loans with our low down payment options. And with Jovia’s First-Time Homebuyers Program, affording your home can be even easier!
Reverse Mortgage Options∆
A reverse mortgage works by allowing homeowners age 62 and older to borrow from their home's equity without having to make monthly mortgage payments. The borrower may choose to take funds in a lump sum, line of credit or via structured monthly payments.
Rates & Terms
|15 Year Fixed||2.625%||2.763%||$1,009.00|
|30 Year Fixed||3.125%||3.209%||$643.00|
|30 Year Jumbo||3.125%||3.138%||$3,855.00|
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.