Creating Loan Solutions for All Types of Financing Scenarios


Residential Lending Specialists are available to answer any questions.


FCSB is proud to offer unique mortgage products that provide qualified applicants with options to purchase or refinance 1-4 family owner-occupied or investment dwellings.


Our clients enjoy flexible in-house underwriting that allows for unique qualifications to fit their current financial circumstances.


Our Residential Lending Specialists have competitive rates and closing costs, local market knowledge, and quick turn-around for new home purchases, or to put your property to work for you today! 


Explore financing avenues, such as:

  • Investment, owner-occupied, and loans for second homes
  • Conventional and FHA Loan Programs
  • Financing for purchase or refinance transactions
  • Asset-based financing with fast, streamlined processing
  • 1-4 family residential loans include co-ops and condominiums


Get started by calling (516) 399-6100 or emailing a Residential Lending Specialist.


FHA Loans


FHA Mortgage Financing Available now:


Unlock the Door to Your Dream Home with First Central Savings Bank’s FHA Government Home Loans!


Our specialized program offers a range of benefits to homebuyers, including reduced upfront closing costs and flexible terms with competitive rates.


FHA Home Loan Details:

  • Easy Credit Qualifications
  • Low Credit Scores (550 FICO)
  • Low Down Payment (3.5%)
  • Lenient Debt-to-Income Ratio
  • Gift Funds for Downpayment
  • 1-4 Units, Primary Residence Only


Whether you’re a first-time homebuyer or looking to refinance, our experienced team is committed to providing unparalleled support throughout your entire homeownership journey. 


Take the first step towards your dream home today and explore the opportunities offered by our FHA Government Home Loans. Get started by contacting a Residential Lending Specialist.

Conventional Home Loan Programs


Conventional Home Loans Available now:


Step into Your Dream Home with First Central Savings Bank’s Conventional Home Loans


Whether you’re taking the first steps towards homeownership or seeking to refinance and revitalize your mortgage, FCSB’s Conventional Home Loan Programs offer a world of possibilities.


Discover customizable terms, competitive rates, and a commitment to exceptional service that reflects our dedication to the communities we serve:


Jumbo Loan Amounts Available

At FCSB, we understand that exceptional properties require exceptional financing solutions. That’s why our Conventional Home Loan Program offers jumbo loan amounts for those looking to purchase or refinance high-value properties. With competitive rates and flexible terms, we’re here to help you make your dream home a reality.


Various FRM and ARMs Available

Your home loan should be as unique as you are. That’s why FCSB offers a range of Fixed Rate Mortgages (FRM) and Adjustable Rate Mortgages (ARM) options. Choose stability with our FRM, providing you with peace of mind and predictability, or opt for flexibility with our ARM, tailoring your loan to match your evolving financial situation. We have the perfect mortgage solution to fit your needs.


Competitive Rates and Low Downpayment Requirements

Finding your perfect home shouldn’t break the bank. With FCSB’s Conventional Home Loan Programs, you can enjoy the benefits of competitive interest rates while keeping your downpayment within reach. Our low downpayment requirements make homeownership more accessible, ensuring you can unlock the door to your dream home.


Various Loan Programs to Fit Credit Needs

We believe that everyone deserves a chance at homeownership. That’s why we offer various loan programs designed to cater to customers with different credit profiles. Our flexible options ensure that you can find a suitable loan that fits your unique financial situation. 


Excellent Turnaround Times

We understand the urgency and excitement of buying or refinancing a home, which is why we prioritize efficiency without compromising on quality. At FCSB, our streamlined loan approval process ensures excellent turnaround times, allowing you to experience a seamless and swift journey towards homeownership.


High LTV Loans Available

Sometimes a little extra help is needed to achieve your homeownership goals. We offer High Loan-to-Value (LTV) loans, enabling you to finance a significant portion of your property’s value. This option is perfect for those with limited equity, ensuring that you can unlock the door to your dream home.


Purchase and Refinance Loans Tailored to You

Whether you’re a first-time homebuyer or looking to refinance your existing mortgage, our Conventional Home Loan Program is tailored to your needs. With customizable loan terms, competitive rates, and the expertise of our trusted team, we’re here to guide you towards a seamless and rewarding homebuying or refinancing experience.


At FCSB, we’re not just here to be your bank; we’re here to be a familiar face, a trusted confidant, and a financial partner you can rely on.


Let’s embark on this exciting journey together and unlock the door to your dream home. Get started by contacting a Residential Lending Specialist.


Let’s Make Dreams Come True Together – Call Us Today

At FCSB, our focus is on building meaningful relationships with our clients and serving our community with a personal touch. We understand that every individual has unique financial needs, and we’re here to help find the best solutions for you.


Whether you’re looking to achieve your homeownership goals, explore new opportunities, or simply receive trusted advice, we’re your neighbor, your friend, and your trusted partner.


Let us guide you on your journey towards financing your dreams. Create a brighter future with FCSB!


Contact us today and experience our renowned warm and friendly service. Our Residential Lending Specialists are ready to answer any questions. Get started now and join us on the road to success!


(516) 399-6100

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