Explore Rates As Low As 5.875%*
5.976% APR* Featured rate based on 10 Year Fixed Jumbo Special Mortgage
Find the Right Mortgage—Without the Guesswork
Buying your first home, upgrading, or refinancing?
We’ll match you with the right loan for your goals—simple, personal, and pressure-free.
- Fixed, adjustable, jumbo & more
- Guidance from local mortgage experts
- No obligation—just clear options
Contact an Expert Today →
Local Mortgage Experts Ready to Help
A mortgage loan officer to help you every step of the way
Explore Our Various Mortgage Programs
Affordable, Conforming, Combination, and more available
Not Sure Which Loan Is Right? That’s Exactly Why We’re Here.
Every borrower is different. Instead of forcing you into one product, we help you compare options and choose what works best for you.
Here's How It Works
At Rockland Federal Credit Union, we believe getting a mortgage should be simple—not complicated or transactional. With clear guidance and a few simple steps, our mortgage experts take the time to understand your goals and match you with the loan that fits your needs today and long-term.
1. Tell us about your goals
Fill out a short form—no obligation, no pressure.
2. Get matched with an expert
We’ll connect you with a mortgage specialist who understands your needs.
3. Find the right loan
Together, we’ll review your options and next steps—clearly and confidently.
Mortgage Options
Fixed-Rate Mortgages
Stable monthly payments with a variety of term options.
Adjustable-Rate Mortgages (ARMs)
Lower initial rates with flexible adjustment periods.
Affordable Home Loan Programs
Designed to support low- to moderate-income borrowers and first-time buyers.
Conforming Loans
Reliable, competitive options for standard loan amounts.
Jumbo Loans
Finance higher-value homes with competitive rates and flexible options.
Combination Loans
Use multiple loans to reduce down payment needs or avoid PMI.
Refinance Into the Right Mortgage for You
Lower your rate, reduce your payment, or access your home equity—with guidance from a local expert.
Ready to Apply?
Create an account on our Home Loan Borrower Portal to begin your application. from there, you can save your information to pick up where you left off, upload documents, and check the status of your application.
Frequently asked questions
What type of mortgage is right for me?
The right mortgage depends on your financial goals, timeline, and budget. Fixed-rate loans offer stable payments, while adjustable-rate mortgages may start with lower rates. Jumbo, conforming, and affordable loan programs each serve different needs. The best way to decide is to speak with a mortgage expert who can match you with the right option.
What are the different types of mortgage loans?
Common mortgage options include fixed-rate mortgages, adjustable-rate mortgages (ARMs), jumbo loans, conforming loans, affordable home loan programs, and refinancing options. Each loan type has different benefits depending on your financial situation and homeownership goals.
How do I choose between a fixed-rate and adjustable-rate mortgage?
A fixed-rate mortgage offers consistent monthly payments over the life of the loan, making it ideal for long-term stability. An adjustable-rate mortgage (ARM) typically starts with a lower rate but may change over time, which can be a good option if you plan to move or refinance within a few years.
How much home can I afford?
The amount you can afford depends on your income, debts, credit score, and down payment. A mortgage expert can help you estimate your budget and determine what loan options fit your financial situation.
What credit score do I need for a mortgage?
Credit score requirements vary by loan type, but many programs are available for a range of credit profiles.
How much do I need for a down payment?
Down payment requirements vary depending on the loan program. Some mortgages allow for low down payment options, making it easier for buyers to get started without needing a large upfront amount.
How do I get started with a mortgage?
Getting started is simple. Fill out a short form or speak with a mortgage expert directly by contacting one of our Mortgage Loan Originators. From there, you’ll be matched with loan options that fit your needs, with guidance every step of the way.
What is LTV?
LTV is the ratio of your loan amount compared to the appraised value of your home. For example, if your home is worth $1,000,000 and you borrow $800,000, your LTV is 80%. Lenders use LTV to assess risk and determine down payment requirements, interest rates, and mortgage options.
* Borrow up to $2.5 Million - Jumbo 10 -year fixed rate purchase special above is based on a loan amount of $832,751 for a 1 unit, primary residence, purchase with a loan to value of 80% or less and FICO Score 780 or greater for a 60 day rate lock period. Rate based on 20% down, 180 monthly payments, and $11.04 monthly payment per $1,000. Rates may vary based on other scenarios.
APR = Annual Percentage Rate. Effective May 1, 2026 is based on a primary residence property. All rates subject to change without notice. Subject to credit approval. Payment amounts listed for the above products do not include taxes and insurance. Your payments may be greater. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes; and the consumer should consult a tax adviser for further information regarding the deductibility of interest and charges. Investment properties will have a .500% add to current rates.
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