girl swingExpect low rates, minimal down payments, and fair treatment from a member-owned and community-minded institution where you're a neighbor, not a number.

Home buying is one of life's biggest decisions. You wouldn't settle for a house you don't want. So don't settle on your mortgage.

Plus, don't forget that we offer mortgage refinancing, too!

Ready for your next move?

Apply today!

Mortgages for Every Stage of Home Ownership

Whether you are looking to move from your current house, looking to build a new house, or want to buy your first home, we have a wide selection of mortgage options for you. Buying a home and finding the right mortgage for you is a big decision.

  • Attractive interest rates
  • Low down payments
  • Quick turnaround times
  • No junk fees

Whatever you're looking for, Visions is here to help you through the home buying process with the options, resources, and friendly mortgage experts to get you the right mortgage for your next home.

What do you want from your mortgage?family house

You want to find the home that will make you happy, and you want the mortgage that suits your needs.

  • Are you looking for a more affordable mortgage payment?
  • Are you looking for a way to pay off your home faster?
  • Do you need flexible options to work with you situation?
  • Do you need to move into a new house pretty quickly?

Whatever your needs may be, Visions has a mortgage for you.

What are my mortgage payment options?

Affordable Mortgage Options

We offer affordable mortgage options to suit your financial goals. Shooting for a lower payment? Don't want big closing costs? Looking for lower down payments? Check out these options.

First Time Home Buyer Program

30 Year Fixed-Rate Mortgage

10/1-Year Adjustable Rate Mortgage


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Fixed Rate Mortgages

Visions has a selection of fixed rate mortgages from 15-year fixed up to 30-year fixed mortgages. Browse our fixed rate mortgages and interest rates.

Fixed Rate Mortgages


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Adjustable Rate Mortgages

We feature a variety of adjustable rate mortgages for your unique financial circumstances. Enjoy the benefits these adjustable rate mortgages provide when matched to your goals and financial objectives.

Adjustable Rate Mortgages


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Mortgage Products and Resources

Home Buying Processhands house

No matter what stage of life you find yourself, getting a new house is a big change. It's good to understand the steps and have a plan. That's why we created a this step-by-step guide to help you through your journey to your new home.

Buying Process

First Time Home Buyers

If you rent a house, but always wanted to own a home, Visions can help you achieve that dream. Every person you meet at Visions to get advice or to help with decisions is your future neighbor. And we want to welcome you with the best mortgage program you can get.

First Time Home Buyer Program

Current Homeowners

Once you've purchased a home, you need to maintain it and you want to get the most out of your investment. Visions offers many home-related financial products that can help you lower your payment, get some extra cash, or make improvements.


Fixed Rate Home Equity

Home Equity Line of Credit

Home Improvement Loans

Specialty Mortgages

Visions offers mortgages with you in mind, including these situation-specific loans.

Income Property

New Construction

Manufactured Housing

Vacation Home

Mortgage Resources

We want everyone to find the right mortgage. To help we have a bunch of resources to give you the information and help you need. Browse our mortgage resources. If you don't see what you need, drop us a line.

Credit Report


Discounted Homeowner Insurance

Foreclosure Prevention Assistance

Escrow Information

Apply today!

*Eligible Lending Counties - Geographic Boundaries

Visions can lend to the following areas if a person qualifies for membership:

New Jersey:

Bergen, Essex, Hudson, Hunterdon, Monmouth, Middlesex, Morris, Passaic, Somerset, Sussex, Warren, and Union

New York:

Broome, Cayuga, Chemung, Chenango, Cortland, Delaware, Dutchess, Jefferson, Livingston, Madison, Monroe, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Otsego, Rockland, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wayne, Westchester, Wyoming, and Yates.


Berks, Bradford, Carbon, Chester, Cumberland, Dauphin, Lancaster, Lebanon, Lehigh, Monroe, Montgomery, Northampton, Pike, Schuykill, Susquehanna, Tioga, Wyoming, and York.

Mortgage Calculators

When Should You Consider an Adjustable Rate Mortgage?

When Should You Consider an Adjustable Rate Mortgage?

Looking for a lower-interest alternative to the traditional 15- or 30-year fixed rate mortgage? Consider an adjustable rate mortgage, like the popular 5/5 ARM, for any number of needs or situations. ...
Read More

Mortgages and Your Credit

Mortgages and Your Credit

When it comes to mortgages and your credit, there are a few main considerations. How Does My Credit Score Affect My Mortgage? It's no surprise that your credit score matters when buying a home a...
Read More

Mortgage Refinancing

Mortgage Refinancing

When to Refinance Your Home If you’ve been in your home for five or more years, you’ve probably got some equity. And if you’ve got a little equity, it might be a good time to refinance your mortgag...
Read More

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