Finance your
Dream home
With us!
Mortgages from FRFCU
Cute and cozy, or gracious and spacious, homes come in all styles and sizes. And we have the right Home Loan options for you!
We work with you from start to finish to find the best mortgage for YOU — not just what’s easiest for us. Our seasoned mortgage professionals have helped thousands of members navigate the mortgage process with confidence, whether it’s your first home, your dream home, or a smart refinance.
And here’s what really sets us apart:
- 100% no-money-down financing options to help you buy your home with $0 out of pocket on the purchase price and keep your savings for moving, furnishings, or whatever matters most to you.
- Competitive fixed-rate and adjustable-rate mortgages (ARMs) to match your goals, whether you want payment stability or lower initial rates.
- Greater guideline flexibility with no rate add-ons and no LLPAs (Loan-Level Price Adjustments) that many other lenders tack on. What you see is what you get, with transparent pricing without hidden surprises.
A Credit Union You Can Trust
We’ve proudly served our members for over 100 years as a member-owned credit union. That means our focus is, and always will be, on helping you succeed, not maximizing profits.
Ready to Get Started?
Make home ownership more accessible, more affordable, and a lot less stressful. Connect with our mortgage team today and explore your options.
Get in Touch About Mortgages
| Program | Rate | APR | Points | Price per Thousand |
|---|---|---|---|---|
| 30 Year Fixed Rate (up to 100% Financing Purchase) | 7.25% | 7.450% | 1 | $6.82 |
| 5/6 ARM | 7.00% | 7.050% | 0 | $6.65 |
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Meet our Loan Officers
Bill Panayote
Buying a home is one of life’s most important milestones, and Bill Panayote is committed to making the mortgage process as smooth, straightforward, and stress-free as possible. With 24 years of experience in the mortgage industry, Bill combines extensive industry knowledge with a personalized approach to help clients achieve their homeownership goals.
Bill understands that every borrower’s financial situation and homeownership journey is unique. Whether you’re purchasing your first home, moving into your next one, or refinancing an existing mortgage, he takes the time to understand your needs, explain your options, and guide you toward a mortgage solution that aligns with your goals. He has a particular passion for working with first-time homebuyers, helping them navigate the process with confidence and clarity from application through closing.
For Bill, mortgage lending is about more than rates, terms, and approvals. It’s about building lasting relationships, earning trust, and delivering an exceptional experience at every step. His commitment to personalized service has earned him consistent customer service awards and, most importantly, the trust and appreciation of the clients he serves.
Financial Resources may lend in 47 out of 50 states, excluding Alaska, Hawaii and Texas. Please contact Bill today to explore how he can help you finance your dream!
Nationally registered
Phone: (908) 210-6503
Email: bpanayote@finresc.org
NMLS# 413752
David Clark
With 35 years of experience in mortgage lending, David “Dave” Clark brings extensive industry knowledge and a personalized approach to helping clients achieve their homeownership and financing goals. He specializes in structuring purchase and refinance solutions tailored to each client’s unique financial circumstances, ensuring they have the information and guidance needed to make confident, informed decisions.
Dave is known for his commitment to exceptional service, strong client relationships, and ability to simplify the mortgage process. Much of his business comes from repeat clients and personal and professional referrals—a testament to the trust he has built throughout his career. From the initial application through closing, Dave works closely with clients to make the mortgage experience as smooth and straightforward as possible.
Financial Resources may lend in 47 out of 50 states, excluding Alaska, Hawaii and Texas. Please contact Dave today to explore how he can help you finance your dream!
Phone: (908) 331-9573
Email: dclark@finresc.org
NMLS# 699087
Amy Sodowich, CFP®
With almost 30 years of experience in the financial services industry, including well over a decade specializing in residential mortgage lending, Amy brings a unique combination of financial planning expertise and mortgage knowledge to every client relationship. A CFP® practitioner since 2003, she understands that a mortgage is more than just a loan—it is an important part of a client’s overall financial picture.
Amy is committed to helping clients make informed, confident decisions when purchasing or refinancing a home. Through personalized guidance and clear communication, she strives to make the mortgage process as seamless as possible while keeping each client’s individual needs and goals at the forefront.
Her approachable style, professionalism, and dedication to exceptional service have earned her lasting client relationships, repeat business, and referrals from family and friends.
Financial Resources may lend in 47 out of 50 states, excluding Alaska, Hawaii and Texas. Please contact Amy today to explore how she can help you finance your dream!
Phone: (908) 524-6181
Fax: (908) 253-6406
Email: asodowich@finresc.org
NMLS#: 1021068
Our Members Say it Best!
Thank you for making this mortgage process an overall Great Experience!”
We had considered Chase as our mortgage lender but I’m so glad that we decided to go with FRFCU. It was a great experience all around, thanks again for such great service.”
Thank you SO much, it was a pleasure working with FRFCU on my mortgage. You were all on point and on time making the process a cake walk.”
Rates are based on evaluation of credit history, loan-to-value, and loan term, so your rate may differ. For primary residences, second homes, or investment property. Loans are subject to credit approval.
Rates quoted are for a single-family, owner-occupied residence located in New Jersey. Rates quoted assume a loan to value ratio of 80% and a credit score of 740. Your actual rate will depend upon several factors including, but not limited to, the loan type, loan size, property type, your credit score and property value. Your actual rate, payment and costs could be higher.
Private mortgage insurance (“PMI”) may be required depending upon FRFCU’s lending policy. If PMI is required, the mortgage insurance premium may increase the APR and monthly mortgage payment.
Annual Percentage Rate (APR) calculation is based upon a loan amount of $280,000, and includes fee estimates for origination, flood certification, real estate tax service, settlement / closing, lender attorney review, and points, if applicable.
All loans are subject to approval in accordance with FRFCU’s lending policies. Other terms and conditions may apply. Terms and conditions subject to change at any time without prior notice. Please contact one of our Mortgage Loan Officers for further details.
NMLS #401965. Federally Insured by NCUA. Equal Opportunity and Equal Housing Lender.
Al rates are subject to change without notice.
Loans and Lines of Credit not available in Puerto Rico.
