NEFCU is now Jovia Financial Credit Union! Although we've changed our name, our commitment to you remains the same. Start banking on the bright side with Jovia today. Learn More


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.

Apply Now

Not ready to apply? Get pre-qualified.

Easy Application

Our mobile-friendly application makes the pre-approval and mortgage application process a 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?

Lower Costs

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!

Featured Rates

7/1 Adjustable^





10-Year Adjustable





15-Year Fixed





30-Year Fixed






^ Jovia Financial does not charge closing costs on the no-closing cost option. Member is still responsible for certain mortgage settlement costs. Contact the Credit Union for further information.

Mortgage Loan Originators at Jovia Financial and their unique identifier numbers (NMLS ID#) can be found here.

* APR = Annual Percentage Rate. All loan types, rates, and terms are based on an applicant's credit history and are subject to change without notice. Not all applicants may be approved.

NMLS ID#: 543667