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Finance your

Dream home

With us!

Whether you are buying a first home, dream home or refinancing your current home, we offer exceptional service, a wide range of flexible options and great rates.

Adjustable rate mortgages as low as 5.00%
Fixed Rate Mortgages as low as 6.125%

Cute and cozy, or gracious and spacious, homes come in all sizes and styles. And FRFCU has the right size Home Loans for you!


Rates & Info


Call 800.933.3280

What Makes Financial Resources FCU Different?



Learn about the difference

Adjustable-Rate Mortgages


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Conventional Fixed-Rate and Jumbo Mortgages


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FHA & VA Loans


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Meet our Loan Officers

Bill Panayote

bill panayoteBill has been a mortgage loan originator for over 12 years. He has gained a great deal of experience structuring various types of purchase and refinance loans to best suit his customers’ needs.

Over the years, many of his clients have been first time home-buyers and through Bill’s guidance they have a clear understanding of the mortgage process. Also, his dedication to his clients and his high level of service has earned him consistent customer service awards.

Financial Resources Federal Credit Union will lend in all United States except Hawaii, Alaska and Texas. Please contact me today to explore how we can help you finance your dream!

Nationally registered

Phone: (908) 210-6503
NMLS# 413752

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Joseph Buono

joseph buonoJoe brings with him over 25 years of experience in financial services and 18 years of experience with residential lending. He seeks to streamline the borrowing process using all the latest technology to make getting a mortgage loan easier than ever before. From the most qualified to the most challenging, Joe works hard to find a solution that meets the borrower’s needs.

Financial Resources will lend in 47 of 50 states, excluding Alaska, Hawaii and Texas. Contact Joe today to make a dream home your home!

Phone: (908) 255-0381
NMLS# 253521

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Marisol Torruella

Marisol ToruellaMarisol is an industry professional who has been helping new and existing homeowners meet their mortgage needs. Her primary focus has always been to build lasting relationships with satisfied clients through her commitment to honesty, accountability, and exemplary service. Marisol and Financial Resources Federal Credit Union believe our mission is to become the trusted life-long partner of the families and communities we serve and she is proud to be a part of this team.

At Financial Resources Federal Credit Union, Marisol can offer you mortgage choices for your purchase or refinance, serving 47/50 states in the United States, excluding Hawaii, Texas, and Alaska.

Phone: (908) 447-2587
NMLS# 25710

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David Clark

david clarkDave has been helping home owners with their mortgage needs for 35 years. He has gained a great deal of experience structuring various types of purchase and refinance loans to best suit his customers’ needs to ensure each client gets the right mortgage for their personal needs.

Dave is highly regarded for his high level of service which is why the majority of his clients are from personal and business referrals. Dave knows how to simplify what can be a complicated process and assist you from application through to your closing.

If you are thinking about purchasing a new home, refinancing your current home or just need assistance with the mortgage process, Dave is always willing to help.

Financial Resources may lend in 47 out of 50 states, excluding Alaska, Hawaii and Texas. Please contact Dave today to explore how he can help you finance your dream!

Phone: (908) 331-9573
NMLS# 699087

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Amy Sodowich, CFP®

Amy has over 25 years of experience in the financial industry and has spent the last 9 years in residential lending. A licensed CFP® practitioner since 2003, Amy’s financial planning background is a complement to her work as a loan officer. Her primary focus is to ensure she is doing the best job possible for her clients and putting their needs and goals first.

Buying or refinancing a home is one of the biggest financial decisions you will ever make. Amy will help you to understand the process and is there to answer questions every step of the way. Her personable approach and professional guidance are why so many clients have returned over the years, and why they have referred family and friends to her.

Financial Resources will lend in 47 out of 50 states, excluding Alaska, Hawaii and Texas. Please contact Amy today and let her help you achieve your goals!

Phone: (908) 524-6181
Fax: (908) 253-6406
NMLS#: 1021068

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Jay Marchese

A Certified Mortgage Advisor and loan professional, Jay has been helping homeowners with their mortgage needs for more than 25 years. His extensive knowledge and experience will help you through the loan process and to find the terms that are right for you!

Whether you are a first-time home buyer, looking to downsize, or simply want a change, Jay can help you even before you make an offer on a property. He’ll review your budget, income, and savings to provide you with information you need to make an educated decision about what loan program and loan amount is right for you.

The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be with a trained and caring professional like Jay in your corner. Contact Jay today and he’ll help you get started on making your dream of home-ownership come true.

Financial Resources may lend in 47 out of 50 states, excluding Alaska, Hawaii and Texas. Please contact Jay today!

Phone: (732) 910-9652
NMLS#: 1014805

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Our Members Say it Best!

“We had our closing today and everything went smoothly. I can’t believe that you and I first connected just over 30 days ago, and got all of our mortgage paperwork and approvals completed.

Thank you for making this mortgage process an overall Great Experience!”

“The FRFCU loan officer was amazing in answering the zillion questions I had. She was always reachable and was expeditious in responding to emails from me/my agent/attorney throughout the entire process.

We had considered Chase as our mortgage lender but I’m so glad that we decided to go with FRFCU. It was a great experience all around, thanks again for such great service.”

“Thank you for all your support during my entire Mortgage process. Starting from application submission, till the end of the process you were there for me for all my questions and clarifications.

Thank you SO much, it was a pleasure working with FRFCU on my mortgage. You were all on point and on time making the process a cake walk.”