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


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.

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!

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^





10/1 Adjustable





15-Year Fixed





30-Year Fixed





Advice | Homebuying

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!

Continue Reading

^ 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



∆ Jovia Financial is not the lender for any reverse mortgage product offered. Jovia Financial has a contractual agreement with third party provider to make this product available to its members for properties in New York and Florida only. By requesting this service, you are consenting that your information will be shared with a third party licensed mortgage banker/lender. Borrowers still responsible for payment of real estate taxes and insurance.

1 Offer available for new and existing Jovia members from October 1, 2020 through December 31, 2021. All loans are subject to credit approval. Refinances not eligible. Members will receive gift cards electronically at email address provided 30 days after closing. Gift card is limited to one per loan application while supplies last. Loan must close by March 31, 2022 to be eligible. Existing loan applications submitted prior to the promotional period do not qualify. The Home Depot is a registered trademark of Homer TLC, Inc. Membership eligibility requirements apply. Rates subject to change without notice. All offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift. Existing accounts prior to the promotional period do not qualify.