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.1 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
Mortgages
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? Contact a mortgage specialist.
Easy Application
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?
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!
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.
Easy Application
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?
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!
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.
Featured Rates
7/1 Adjustable^
2.875%
Rate
2.943%
APR*
10/1 Adjustable
2.875%
Rate
2.950%
APR*
15-Year Fixed
2.500%
Rate
2.637%
APR*
30-Year Fixed
2.750%
Rate
2.825%
APR*
Homebuying 101: Getting your Credit in Order
Congratulations! You’re considering buying a home-maybe your first. It’s a big step in life and it can be exciting, but it can also be a bit intimidating … at first. There’s lots of lingo to learn and lots of things to do between now and the day they hand you the keys. But, trust us, you can get there and Jovia can help!
