Author Archives: Business Development Rep Samantha

Spring 2025 Newsletter

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We hope you’re enjoying the longer, warmer days and the blossoming of the world around you!

In a continued effort to go green, we’re publishing our quarterly member newsletter electronically – it can also be found on our website and social media sites. Paper copies will be available in our branches.

The Spring First Edition Member Newsletter features the following articles:

To view a copy of the newsletter, click here.

We wish you a fulfilling and prosperous rest of the spring season!

How to Negotiate with Wedding Vendors

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The days leading up to the happiest day of your life can quickly become stressful as the costs of your wedding vendors start to add up. Let’s face it – weddings are expensive. If you and your partner are fronting the bill, it might be among the costliest purchases you will ever have to make as a couple. It’s common to negotiate on the price of certain big ticket item purchases, such as your car or a home – why not negotiate with your wedding vendors, too? As with many things in life, there is a right way and a wrong way to go about it. While you want to have the wedding of your dreams, wedding vendors also rely on their business for their livelihood. Here are some ways to thoughtfully and respectfully negotiate with wedding vendors for your special day.

Do Your Research

Before you contact any potential wedding vendors, and certainly before you negotiate with them – do your research. Once you have identified potential vendors, read their reviews. Reviews will offer a glimpse into the vendor’s offerings, the quality of their services, and the prices that others have paid. Finding out the average price you can expect to pay – will set your expectations as to what an appropriate price range is, ensure that you approach any negotiations thoughtfully, and know when to identify a good deal.

The research doesn’t stop when you begin meeting with wedding vendors. Collect quotes from several that you are considering working with. Whether the vendor is offering a package or individual services, compare prices to identify which has the best-priced option. This can be beneficial if you are considering a counteroffer, as you can explain what you were expecting for the service they are offering.

Honesty is the Best Policy

When you begin meeting with potential wedding vendors, be truthful about your budget. Also ask the vendor to be upfront with you about what is included in their service, as it would not be recommended to negotiate without having a clear understanding about what you are being offered. Being honest with a vendor will ensure that you are not only being respectful of their time, but will also allow you to make an appropriate decision about hiring them and determining if negotiating on the price is appropriate. If you find that a vendor isn’t being clear about their pricing, take control of the situation and ask specific questions. For example – asking a florist, “Can you provide a flower package that fits the parameters we’ve discussed for $5,000?” will force a yes or no answer.

In discussing your budget and expectations, it is important to be considerate of the vendor and their business. This is where good research comes in – don’t meet with wedding vendors that clearly won’t be able to make your dreams a reality within your desired price range. If you were to suggest a budget that is much lower than what their services are typically priced at, it might suggest that you haven’t considered the time, effort, and expertise which go into the vendor’s offering. The more honest you are about your budget and expectations, the more likely it is that you can find one who can provide the service you are looking for.

Don’t Be Afraid to Compromise

Being willing to compromise can help you save when negotiating with wedding vendors. This can be done in two ways – by identifying things you do not need or by substituting for more affordable options. A good way to identify parts of the vendor’s offering you do not need can be creating a wants vs. needs list. Anything you identify as a need, you probably won’t want to compromise on for your special day. However, those wants can help you identify areas of potential savings and where you can cut back. For example, if you don’t have a preference as to having sit-down service or a buffet as catering options – go with the less expensive option. Or if you need a wedding photographer, but don’t want the pictures to be in any specific format – getting digital copies as opposed to printed copies could save you some money.

If the wedding vendor is open to substitutions, consider replacing some of the pricier options for more cost-effective ones. For example, if your florist came up with the idea of putting roses in your centerpieces, but you were looking for a more cost-effective flower – consider asking your florist to make that substitution.

Negotiating can be uncomfortable at first, but if you approach the conversations with respect, consideration, and sincerity – you might be surprised at the different ways wedding vendors may be willing to work with you. If you have been considering options to help with your wedding budget, consider our Financial Helper Loan. With low rates, fixed payments, and personalized service – you can say “I do” with less worry. For more information, contact First Financial’s Loan Department at 732.312.1500 Option 4 or visit a local branch.

*APR = Annual Percentage Rate. Actual rate will vary based on creditworthiness and loan term. Subject to credit approval. Personal Loan repayment terms range from 12 to 60 months, and APRs range from 10.24% APR to 18% APR. Minimum loan amount is $500. Loan payment example: A $2,000 Personal Loan financed at 10.24% APR for 24 months, would have a monthly payment amount of $92.51. A First Financial Federal Credit Union membership is required to obtain a Personal Loan or Line of Credit, and is open to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. 

How Much Should You Spend on Work Clothing?

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Whether you are building your professional wardrobe from scratch or trying to keep up as rules and trends surrounding workplace attire evolve – purchasing work clothes can get tricky. Aside from figuring out how to budget for your work wardrobe, you are likely considering what clothing pieces will make you look and feel your best – and what apparel fits into your company’s dress code. Although it’s important to “dress for success,” it is equally important to set a clothing budget that doesn’t break the bank.

What’s a Good Clothing Budget?

The clothing you wear is one of the first things someone will notice about you, and can make a significant impact on their first impression of you. A clothing budget can help ensure that you won’t go into debt while curating that first impression. According to Business Insider, personal finance experts suggest that your clothing budget should not exceed 5% of your take home income. This means that you should aim to spend 5% or less of your take home income on work and casual clothing every year. For example, someone who takes home $1,500 every two weeks ($3,000 per month) should not spend more than $150 per month ($1,800 per year) on clothing. The simple equation of your monthly take home pay multiplied by 5% – can help you figure out just what that monthly figure is. You can then multiply it by 12 to figure out the maximum you should spend in a given year. Understanding what 5% of your take home income is on a monthly and yearly basis, can help you track your spending on clothing.

For those who are building their professional wardrobe from scratch, expect to spend more on clothing initially. This can include “the basics,” which are core, versatile pieces of clothing that will become essential to your wardrobe (for example: a pair of black pants or a cardigan that you can mix and match with different blouses). Lauren Bowling of Financial Best Life suggests you can spend 7% of your take home income, only if you are shopping for an entirely new wardrobe. After you build out your new work wardrobe – you will simply be doing “maintenance,” and likely won’t need to purchase as many new items all at once.

How Can I Save When Shopping for Clothing?

Limiting your clothing budget to 5% of your take home income might sound like a challenge, but it’s a challenge that can be made easier with some simple tips.

  • Take Inventory of Your Wardrobe Before You Shop: Having a clear idea of what’s in your closet can help you stick to your clothing budget. It can help you avoid making impulse purchases, keep the pieces you really need top-of-mind, and help you avoid buying items you already own. Additionally, by identifying items that are missing from or need to be replaced in your wardrobe – you can act on any good deals you might see.
  • Shop Secondhand: Not only is shopping secondhand eco-friendly, but it’s also budget-friendly. Shopping secondhand can help you find high-quality items for a fraction of their original sticker price. Pre-owned clothing items aren’t necessarily being sold because they were bad quality or damaged – they might have simply served their purpose to their original owner, who now wants someone else to enjoy it as much as they did!
  • Invest in Quality, Not Quantity: Purchasing low quality items will have you running to the store more frequently to replace them. In the end, the $20 shirt you purchased might cost you $40 if you only wear it for six months before having to purchase a new one. Investing in more expensive, high-quality pieces can ensure you go longer without having to replace items you frequently wear.
  • Take Advantage of Credit Card Rewards: Credit card rewards are a great way to get a bonus for the things you’re already doing – most likely including shopping for clothes. Those points or cash back really add up, and can be put toward your shopping bill. First Financial’s Signature Cash Plus Credit Card offers 1% cash back on unlimited purchases, along with uChoose Rewards – redeemable for travel, merchandise, gift cards, and more.* Your points can turn into a gift card at a major retailer, be used through PayPal when you add your card to your wallet, and reduce the “damage” from your next shopping trip.

It’s inevitable that you will need to spend money on work clothing – especially when starting a new job, but a budget can help make the inevitable more manageable. Remember, the 5% rule is a general rule of thumb. Although 5% of your take home income might seem like it won’t go a long way, those budget-conscious shopping trips will eventually have your wardrobe – and wallet, feeling fuller.

For more money management tips – make an appointment at your local branch, check out our website resources page, or subscribe to our First Scoop blog.

*APR varies up to 18% for the Visa® Signature Cash Plus Card when you open your account based on your credit worthiness. This APR is for purchases and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $29, $10 Card Replacement Fee, and Returned Payment Fee of $29. A First Financial membership is required to obtain a Visa® Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. Your First Financial Visa® Signature Cash Plus Credit Card will earn cash back based on your eligible purchase transactions. The cash back will be applied to your current credit card balance on a quarterly basis and be shown cumulatively on your billing statement. Unless you are participating in a limited time promotional offer, you will earn 1% cash back based upon eligible purchases each quarter.

Things to Do on a Budget in Monmouth & Ocean Counties this May 2025

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April showers not only brought May flowers, but they brought free and inexpensive activities to enjoy with your family and friends in Monmouth and Ocean Counties all month long.

May 3

Boujee Foodiecon (Oceanport) – If you consider yourself a “foodie” and want to sample some adventurous bites, head over to Fort Monmouth from 12:30pm-7pm on May 3rd or 12:30pm-6pm on May 4th. With appearances from over 40 vendors, as well as family-friendly games and music all day – this event will have something for everyone to enjoy. Tickets are $15 in advance and $20 at the door, with children 10 and under being free to attend. This event will be held rain or shine. Click here to purchase tickets and view the list of vendors.

Cinco de Mayo Celebration (Toms River) – Celebrate Cinco de Mayo in Downtown Toms River on Washington Street from 12pm-6pm. The vendors, music, food, and drinks will give you a taste of authentic Mexican culture and cuisine without having to leave Toms River. There is no entry fee to attend. Click here for more information.

Made in Monmouth (Lincroft) – Made in Monmouth is making it easier than ever to shop local, bringing together over 250 Monmouth County vendors from 10am-4pm at the Robert J. Collins Arena & Recreation Events Center at Brookdale Community College. Selling everything from home décor to baked goods, jewelry and craft beverages – you can shop while supporting Monmouth County’s small businesses. Entry is free for all to attend. For more information, click here.

Ocean County Children’s Festival (Toms River) – Bring your little ones down to the Toms River Branch of the Ocean County Library from 11am-3pm for a fun-filled day. This event promises to have indoor and outdoor programs and activities geared toward children, as well as resources and community connections for families. All children who attend will have the chance to make an original piece of art to take home. The event is free for all to attend, and registration is not required. Click here for additional information.

May 10

Designer Bag Bingo (Surf City) – If playing bingo isn’t enticing enough, you have the chance of winning a designer bag when you play at the Surf City Volunteer Firehouse – with doors opening at 4:30pm and games beginning at 6pm. In addition to bingo, there will be a 50/50 raffle, designer wristlet/wallet raffles, and other raffle baskets to win if you purchase additional tickets. Admission is $35 and includes 13 rounds of bingo and a door prize ticket. If you don’t play, you can’t win – click here to learn more information and try to make that designer bag yours.

May 11

iPlay America Moms Play Free (Freehold) – Treat your mom to a day of fun at iPlay America, opening at 11am on Mother’s Day. Moms get a free 2-hour unlimited video game pass, $10 bonus card, and a carnation flower all day long. Other attendees can add ride, game, or arcade packages to join in on the fun with mom. Click here for additional information.

Spring Bazaar (Asbury Park) – If you’re looking for a unique way to celebrate the mothers of all kinds in your life, bring them down to Convention Hall from 12pm-5pm on May 10th, and to Convention Hall and the Asbury Hotel from 12pm-5pm on May 11th. This weekend promises to be full of shopping from local makers, fresh flower bouquets, photos in front of unique stations, delicious food and libations (for those 21+), and live music. There is no entrance fee for all to attend, and there will be various goodies from vendors available for sale. Click here to view a sneak-peak of Mother’s Day weekend at the Spring Bazaar.

May 12

Dave & Buster’s Grand Opening (Freehold) – Join in on the fun at the Dave & Buster’s Grand Opening at the Freehold Raceway Mall at 11am. A longtime staple of family-friendly entertainment and dining, Dave & Buster’s brings together classic and modern arcade games and a full-service restaurant and bar under one roof. The first 100 people in line at the exterior entrance will get free gameplay all day. Click here to learn more about how you and your loved ones can be part of the Dave & Buster’s Grand Opening.

May 16

Jazz Night (Belmar) – The Belmar Arts Center will transform into a lively jazz club from 7pm-10pm. Whether you want to groove out to some smooth tunes or bring your instrument to jump in on a musical number or two, Jazz Night is the place to be to indulge in the rhythms of jazz. You can also bring snacks and drinks (BYOB for those 21+) to enjoy during the evening. There is a $5 entrance fee for all who attend. You can find additional information and purchase tickets here.

May 17

Green Fair (Brick) – Although Earth Day has passed, Brick Township is giving you the chance to learn about how you can keep the Earth green, while putting more “green” back in your pocket from 10am-2pm at the Bob Anstett Cultural Arts Center. This community-wide event is geared toward inspiring people of all backgrounds to embrace sustainable living in budget-friendly ways. There will be educational exhibits, presentations, vendors, giveaways, and door prizes. Admission is free for all who attend. Click here to learn more.

May 18

Runaway Farm Animal Sanctuary Meet and Greet (Bayville) – Bring your family and friends to Runaway Farm from 11am-3pm to meet some furry and feathered friends and learn about the animal sanctuary’s mission. In addition to meeting the friendly faces of the animal sanctuary – there will be live music to enjoy, vendors to shop, baked goods to purchase, and fun giveaways as you explore the farm. Admission is free for all who attend. You can learn more here.

May 24

Memorial Day Bike Parade (Point Pleasant) – Point Pleasant is putting a unique spin on celebrating Memorial Day at 10am, beginning at the For Shore Pool Parking Lot. Everyone is invited to decorate their “wheels” whether they are bikes, strollers, or wagons – in red, white, and blue to march in the parade. If you are interested in participating, you are encouraged to meet in the parking lot at 9:30am. The parade will end with a service honoring our Fallen Heroes at Veteran’s Memorial Park by Little Silver Lake. Admission is free for all who attend. Click here to learn more.

Memorial Day Festival (Bradley Beach) – Bradley Beach is honoring those who have served our country all weekend long during their Memorial Day Festival, beginning on May 24th at 9am on Ocean Avenue and ending on May 26th at 11am at Riley Park. This festival will feature vendors, a parade, and a service. There will also be live entertainment from a variety of local artists all weekend long at the 5th Avenue Beachfront Gazebo. Admission is free for all who attend. Click here to learn how you can join – whether it’s for one, two, or all three of the festival days.

May 25

Sunday Funday at Double Trouble State Park (Bayville) – Enjoy a sunset hike and make a gift to honor our veterans on the night before Memorial Day at Double Trouble State Park, beginning at 7pm. The hike will introduce you to the Pine Barrens ecosystem and offer a window into its history. Since the event begins at 7pm, the park kindly encourages attendees to not only consider bug spray – but dress appropriately for the weather. Admission is free for all ages. Registration ahead of the event is not required. Click here for more information.

May 26

Memorial Day Parade (Farmingdale) – Join Farmingdale in celebrating and honoring those who have served our country at their 52nd Annual Memorial Day Parade, beginning at 1pm on Main Street. The streets of Farmingdale will come alive with music, dancing, classic cars, horse drawn carriages, and more. For the first time in the history of Farmingdale’s Memorial Day Parade, and for those who enjoy shopping – vendors will be selling their unique goods beginning at 11am. Children are encouraged to bring bags to collect thrown candy, and all attendees are encouraged to bring flags to wave as the floats ride by. Admission is free for all who attend. To learn more, click here.

Memorial Day Parade (Freehold) – Join in on the biggest and longest running Memorial Day Parade in Western Monmouth County at 10am, beginning at the corner of Brinkerhoff Avenue and Main Street. There will be countless organizations participating, each bringing different forms of entertainment and creative floats to enjoy with your family and friends. The parade will go all around town, offering plenty of viewing spots. To view the parade route and see how to get a bird’s-eye view, as well as get additional details – click here.

May 31

Ocean Grove Spring Market – You won’t need a metal detector to search for hidden treasures at the Spring Market, taking place at the Great Auditorium on Ocean Pathway from 9am-3pm. Ocean Grove welcomes vendors selling vintage, antique, handmade, and new items – making this event a shopper’s paradise. There is no entry fee to attend. Click here for additional information.

Home Sweet … Home Improvement Scam?

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Deciding to take on a home improvement can be a big commitment, especially when you have to entrust a contractor with turning your dreams into reality. Unfortunately, scammers posing as trustworthy contractors are promising to do the work – and leaving your home and wallet to take the hit. Before you hire a home improvement contractor, consider these red flags that could indicate that a home improvement scam is happening to you.

What is a Home Improvement Scam?

A home improvement scam begins with receiving a flyer in the mail, viewing an advertisement on social media, or being met with an unsolicited knock on the door from a contractor. The so-called “contractor” will say they were working on another project in your neighborhood and had leftover supplies or were looking for new projects to take on because they would be working “in the area” for the foreseeable future. They are hoping that you have a home improvement need, or that you have been waiting to find a contractor that can meet your requirements. The contractor will somehow check off all the boxes – whether it’s completing the project in a short timeframe or within your budget. However, before you hire the contractor and even after the contractor begins your project – the red flags will start to come out. In the end, your home improvement project might cause additional damage to your home or financial situation, or not be completed at all.

Signs of a Home Improvement Scam

It might seem difficult to tell the difference between a trustworthy and not-so-trustworthy contractor. Below are some red flags that can signal you’ve been approached by a scammer.

  • Pressure to Make an Immediate Decision: A real contractor knows that undertaking a home improvement project isn’t a decision that can always be made immediately. Whether it’s consulting others that should be involved in the decision-making process, or confirming that the project is in your budget – there are countless reasons to “sleep on it.” Plus, getting the green light from your partner and your budget – will make you confident in your decision. A fraudster will persuade you into making an immediate decision so you don’t have time to pick apart the interaction or analyze any red flags.
  • Unrealistic Budget or Timeframe: There might be a reason that the contractors before this one could not complete your project to your specifications. Be cautious if you are approached by a contractor who says they can complete your project in half the time or for half the price that other contractors have given you.
  • Asking for Payment Upfront or Only Accepting Cash: This could signal that a contractor is not planning on completing the project, or that they are not planning on completing the project correctly. If a contractor asks you for payment upfront to “buy the materials,” be cautious.

Tips to Avoid Home Improvement Scams

Here are ways you can protect your home, and your wallet – from home improvement scams.

  • Ask for References: Scammers will be reluctant to hand over references, namely because they do not have good ones. Additionally, scammers won’t want to wait around for you to do your homework because they know they won’t get your business based on what you find. Reputable contractors will gladly hand over references so you can confidently make the decision in hiring them to complete your home improvement project. Their references will speak to the quality of work you can expect if you hired them to take on your project. If someone you know and trust recently completed a home improvement project, consider asking them for recommendations.
  • Get Multiple Estimates: Obtain written estimates detailing the work to be completed, the materials needed, and the anticipated price and completion date. If one estimate is substantially lower than all of the others, consider why this estimate is the odd one out. It might be tempting to go with the lowest estimate. However, this low estimate might end up costing you more in the long-run if the work is completed poorly, is completed using substandard materials, or isn’t completed at all.
  • Do Your Research: Check with organizations, like your local Home Builders Association, to see if any complaints were made against a contractor. You should also look up the business or contractor’s name with words like “scam,” “fraud,” or “complaint.” The Better Business Bureau also has a tool to find BBB Accredited businesses near you.
  • Know the Law: Ensure that the contractor you hire has the proper identification, licensing, and insurance needed to complete the project in your state. Additionally, if you are signing a contract to complete work – ensure that the contract includes all the specifics of completing the project.

First Financial knows that finding the right contractor is important. If you believe that you have fallen victim to a home improvement scam and your financial information has been compromised, don’t hesitate to visit a local branch or call us at 732.312.1500.

If you have found the right contractor and are looking for a way to finance your home improvement project, be sure to check out our Home Improvement Loan. We’ve got great rates, up to 10-year terms, and fixed monthly payments.* Apply online 24/7!

*Available on primary residence only. A First Financial membership is required to obtain a Home Improvement Loan and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth of Ocean Counties. See credit union for details. Rate will vary based off of applicant’s credit rating. Not all applicants who apply will be approved, subject to underwriting guidelines and credit approval. Lien position and appraisal valuation may affect the maximum loan amount. Not all applicants will qualify for maximum Loan to Value (LTV) ratio. It will be based off of creditworthiness, property type, occupancy, lien position, and loan amount. Rates will be affected by LTV or combined LTV if there is another lien on the property. Loan amounts over $7,500.00 will be required to give First Financial FCU a security interest in their property. Rates will vary based off of lien position and whether the loan is mortgage secured or unsecured. For mortgage secured Home Improvement loans First Financial FCU (FFFCU) will waive closing costs at inception of loan. If loan is terminated within the first 2 years of opening, closing cost waiver is revoked and are required to b

The True Cost of Homeownership

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Achieving homeownership is a common goal amongst adults in the U.S., and is to some – considered to be a right-of-passage into the adult world. The home of your dreams might come with a hefty price tag – and that selling price is really just the tip of the iceberg.  From insurance to property taxes, maintenance and utilities – the total price you will pay to live in your home boils down to more than just your monthly mortgage payment. While you determine what you can afford to pay for your home, be sure to factor in these common expenses associated with homeownership so they don’t catch you off guard.

Insurance

Homeowners Insurance protects homeowners from the cost of repairing or replacing damaged property, as well costs that would arise from someone getting hurt while on your property. Although different policies offer various levels of coverage, homeowners insurance is meant to protect you from the nearly impossible feat of paying out-of-pocket to replace your home if an incident should occur. It is important to remember that even the most comprehensive insurance policies exclude certain events, so it is important to try and expect the unexpected by also setting emergency funds aside. According to NerdWallet, the average annual cost of homeowners insurance is $2,110 per year, or approximately $176 per month – for $300,000 worth of dwelling coverage.

Property Taxes

Property Taxes are fees charged on real estate by state and local government to pay for services and upkeep. The amount of taxes you owe typically depends on your area’s tax rates and the assessed value of your property, usually based on an annual appraisal. Unfortunately, these are an unavoidable aspect of homeownership. However, do remember that your property taxes are to thank for services that aid the local community, such as schools and police.

HOA Fees

Homeowners Association (HOA) Fees are only charged if your home is part of a homeowners association. A homeowners association is an organization that enforces rules on properties and residents, as well as collects fees to maintain common areas and facilities. The HOA fees you may be charged depend on numerous factors, such as the type of property you own, the location, and the amenities that are made available to residents. For example, you may be charged higher HOA fees than someone in another local development because you have access to a community pool or gym. If you live in a major metro area, you can expect higher HOA fees due to location. According to Homes, the national average HOA fee is $243 per month.

Maintenance and Upkeep

A common expense associated with homeownership is maintenance on your home. If you have ever asked a homeowner to recall the price of replacing their roof or their hot water heater and they have reacted with absolute horror, it’s because those replacements cost a pretty penny.  According to Consumer Affairs, home maintenance costs can range from $50 to over $12,000 depending on what needs to be repaired or replaced. As you might expect, there is a big difference in the cost of repairing your roof versus replacing your roof. One way to save money on home maintenance costs in the long-run is to keep up with a regular maintenance schedule on various systems and appliances. This type of regular maintenance can catch a smaller issue before it becomes a bigger one – and keep costs more manageable. Additionally, certain manufacturer warranties require this regular maintenance for your warranty to remain in effect.

Utilities

The old saying goes that the people is what “makes a house a home,” but try making a home without electricity or running water. All joking aside, paying for utilities is necessary to keep your home running. The cost of utilities widely varies depending on the size, location, and age of your home. Older homes may be less energy-efficient, driving up your electric bill by letting in cold air in the winter and hot air in the summer. Additionally, the cost of certain utilities can fluctuate depending on the time of the year. For example, your electric bill can fluctuate based on how often you are using your air conditioning. The prices of certain utilities can fluctuate based on factors largely out of your control, like changes in regulations or supply and demand impacting the price of natural gas. Common utilities you can expect to pay for are electric, natural gas, water and sewer, trash removal, and cable/internet.

In today’s market, navigating homeownership can be tricky – even without the less obvious challenges and expenses to account for. That’s why the mortgage experts in First Financial’s Loan Department offer complimentary video chats and phone calls to assist with the homebuying process, no matter what stage you’re in.

If you’ve found your dream home and are ready to apply, we’re also here to help you through the mortgage application process, or provide you with a quick pre-approval if you’re just starting to shop.* You can also visit a local branch or call 732.312.1500 and select option 4. We’re happy to help you finance your home sweet home!

*APR = Annual Percentage Rate. Subject to credit approval. Credit worthiness determines your APR. Rates quoted assume excellent borrower credit history and are for qualified borrowers. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. Higher rates may apply depending on terms of loan and credit worthiness. Minimum mortgage loan amount is $100,000. Available on primary residence only. The Interest Rates, Annual Percentage Rate (APR), and fees are based on current market rates, are for informational purposes only. Rates and APRs listed are based on a mortgage loan amount of $250,000. Mortgage insurance may be required depending on loan guidelines. This is not a credit decision or a commitment to lend. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. See Credit Union for details. A First Financial membership is required to obtain a Mortgage and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.