As a family-owned community bank, we take great pride in over 100 years of turning home ownership dreams into reality. We have built a strong reputation as a full-service mortgage originator, serving the lending needs of homebuyers, real estate agents and builders.
With an experienced staff offering expertise in numerous areas of mortgage lending, we have access to a full range of mortgage products and are dedicated to finding the right loan for your unique needs. We look forward to working with you on your purchase, refinance or construction lending goals!
With us, you can count on:
Personal service, every step of the way
Convenience of a neighborhood bank
Local decision making
Wide range of mortgage options
Meet our Team of Experts
We look forward to assisting you in selecting the best loan to meet your personal situation and goals. You can count on us to keep you informed of your loan status throughout the entire process.
Virginia Green has over 25 years of experience in residential lending. Prior to joining First Hope, she was a Mortgage Originator at Residential Home Funding and a Branch Manager with American Home Mortgage for 13 years. Virginia holds her Real Estate Sales license, Mortgage Originations license in New Jersey, Pennsylvania and New York and has held an Individual NJ Banking License for 12 years.
“I feel having both a real estate license, as well as a mortgage originations license has enabled me to better serve my borrowers – especially first-time homebuyers. I have always admired First Hope’s commitment to our community. I am excited to be onboard with First Hope and look forward to helping assist our neighbors with their home financing needs!”
Virginia is happy to discuss First Hope’s full range of mortgage, refinancing and home loan solutions in person or by phone.
"Dawn and Virginia were professional and helpful and very thorough and patient with us. They made the often stressful process of getting a mortgage easier and closed it with a very aggressive timeline." – Emily and Thomas B.
"It was great working with First Hope’s loan officers! Virginia Green was very informative and made me feel at ease through the whole process. Everyone was very efficient and responsive to any emails and information with very quick timing. I would definitely recommend First Hope Bank to family and friends!" – Leslie D.
"I had an excellent experience with the First Hope Bank and the loan officer I dealt with. She was very knowledgeable and professional. She was also very patient with me when I asked her many questions every time I received a new document to sign." – Annie M.
"The staff here were always happy, accessible, kind, knowledgeable! Would highly recommend." – Lauren S.
"It is always nice to receive a referral where there is trust already built with the person you will be working with. Virginia far exceeded what we assumed would be a supportive loan officer. She was extremely helpful and offered guidance throughout the entire process of buying our property. There were definitely many times, when issues came up, especially during a pandemic, where we were so glad she was our agent and had someone that was truly on our side. Our decision to go with Virginia and First Hope, versus other officers we were referred, was reinforced because of her efforts." – Michael S. and Lisa K.
"Virginia and Julie were AWESOME. They were always available when I had a question or concern, no matter how big or small. As a first time home buyer, this was such a wonderful surprise. I was always told how stressful home buying can be, but Virginia and her team made the process so easy. The level of customer service First Hope provided during this experience was far superior to my expectations." – Katelynn W.
"The team at First Hope has been absolutely wonderful! Virginia Green was extremely supportive and helpful from the day my wife and I met her. She went above and beyond to assist us as we went through the experience of purchasing our first home. I cannot thank her enough for her dedication to making sure all of questions were answered. We could not be happier with the experience. Thank you all so much!!!" – Matthew and Kristy S.
"Thanks so much for everything Virginia, you were so helpful through the entire process! Everything is great at the house, just renovating and making it our own. Thank you again for everything!" – Erica
“Virginia – Steve and I would like to thank you for your help in our recent home purchase. Although there were some bumps in the road along the way, we were pleasantly surprised as to how smooth the process went. We were very impressed and very grateful for the information you provided from start to finish. It was nice to know you were 'just a phone call away' with any questions we might have. Your dedication to the process shows you truly believe in 'total customer satisfaction'. Thanks again!" – Kathy and Steve M.
"My husband and I purchased our first home In January 2014. We had just had a baby so things were a bit crazy, but Virginia made the entire process such a wonderful experience. She was there for my husband and I to answer questions at any time of the day, was reassuring, and overall just made the process less stressful and explained things along the way so we knew what was going on and what the next step would be. She is one of the most compassionate, caring people I know and it was a joy to work with her and to have her involved in this huge step for our family. I could not be more pleased with my experience with Virginia, and would recommend her expertise to anyone looking to purchase a house. I can assure you that she will make the process as easy and less stressful as possible!" – Jennifer, Lake Hopatcong NJ
"My wife and I recently refinanced two loans and rolled them into one, at a much lower rate. The folks at First Hope Bank, especially Virginia Green, made the process easy. They arranged for meetings at times that fit into our schedules and fully explained each step along the way. When I finalized some details with my previous lender, I talked to one lady in Arizona and a gentleman in the Philippines. At First Hope, it's all local and personal." – Steve and Ann
"Virginia, I just wanted thank you for your help with my Mother to obtain an Reverse Mortgage. I know the Reverse Mortgage has been around for many years but trying to explain that to my Mother and I was a bit of a challenge. You took the time to meet with us at her home and explain the process and also was there for us. When we had a questions or concerns, you responded promptly. You have demonstrated your commitment to your customers by going above and beyond to ensure our expectations were met and the closing went as smooth as possible. Thanks again for all your help!" – Angelo M.
Loretta has more than 15 years in the financial services industry and has been with First Hope Bank since 2005. She has always been committed to outstanding customer service by understanding client needs and focusing on the best products.
"Loretta Sanguinetti was amazing!! She made the purchasing of our new home so simple. She was so easy to work with and very knowledgeable." – Jacqueline D.
"Loretta made the difficult process of obtaining a mortgage/refinance very smooth. She always kept me informed and genuinely cared. Loretta did not treat me and my wife as a number. When she had to check things with Julie in the back office that also went very swiftly. First Hope is fortunate to have Loretta and Julie. I highly recommend them and First Hope to anyone I know who is looking to do a mortgage." – Edward G.
"Loretta S. was amazing. She was very helpful, knowledgeable and willing to help me. She even gave me great advice." – Stephanie H.
"The team at First Hope made the complex finances of first opening a Construction Loan, taking out regular Construction Draws, and then rolling into a permanent loan much easier than it otherwise would have been." – Paul D.
"Mr Swift walked my husband and I through the process when purchasing a new home during a very difficult time with the Covid 19 beginning to explode in the country. He and his staff were supportive and informative throughout the entire process. Communication through emails and phone calls made this process go smoothly. We felt that each of the individuals we encountered were extremely professional and approachable. The rates were competitive and the process accommodated my quick time frame. With the shutdown we needed to close and First Hope made it happen. We were very happy with our experience and Mark Swift, Dawn and Cathy were just great!" – Donna H.
"Mark Swift and the team at First Hope Bank were excellent. They were on top of everything so that we didn't have to worry. They made the process simple to understand and were always available to answer our questions. Signing online with their secure system was another plus. Even with all the paperwork involved with buying a house, that part was a breeze. For first time homebuyers, having an amazing team behind you makes all the difference. Thank you to Mark Swift and First Hope Bank from very happy customers!" – Avril M.
"Everything was professional, even a pleasure. I’ve refinanced in the past, and have dealt in taking out loans; This was by far the easiest and best experience I had." – Michael H.
A fixed-rate mortgage offers a straightforward, predictable monthly payment. With a fixed-rate mortgage, your interest rate and your monthly payment of principal and interest will stay the same for the entire term of the loan. This provides stability in your monthly payments and ensures your rate won't increase.
The Federal Housing Administration offers mortgage loans designed for borrowers who may not qualify for conventional mortgage programs. FHA loans require down payments as low as 3.5% and provide a great opportunity for first-time homebuyers.
United States Department of Agriculture (USDA) Loans enable borrowers to purchase a home with no money down. It also allows borrowers to finance all or part of the closing costs if the home appraises for greater than the purchase price. If you are in the market for a home outside of a major metropolitan area, you may qualify for a USDA Loan.
Building a new home or purchasing a home under construction is a big commitment requiring time and money. Fortunately, we offer great solutions for construction loans to help you save both. We have an extensive amount of experience helping people build their new home. Whether you are building your primary home or a second home, we offer a variety of loan programs to help you achieve your dream.
An Adjustable Rate Mortgage (ARM) is ideal for borrowers who are seeking short-term security and stability. The initial interest rate of an ARM is lower than that of a fixed rate mortgage. After the initial period, the interest rate is variable and will periodically adjust to current market conditions. For your protection, there are annual and lifetime caps on the interest rate. An ARM can provide increased purchasing power up front.
A jumbo loan is for borrowers who require loan amounts that exceed the existing Fannie Mae conforming loan limits, up to $3 million. First Hope Bank offers rates that are among the lowest Jumbo Loan rates in New Jersey.
The Federal Housing Administration's Reverse Mortgage program, known as a Home Equity Conversion Mortgage (HECM), enables seniors 62 years of age and older to withdraw some of the equity in their primary home. Many seniors may choose to use HECMs to supplement Social Security, meet unexpected medical expenses, or make home improvements.
Below are some great resources, provided by the Consumer Financial Protection Bureau, to help you prepare for the home buying process.
We look forward to putting our mortgage services to work for you!
Borrower must meet eligibility requirement of respective programs. Loan programs not available in all states. Get an official loan estimate before choosing a loan. First Hope Bank, N.A., 201 Route 94, Second Floor, Columbia, NJ 07832. Company NMLS #460885.