Home financing in Union County.
County-by-county financing guides. No paperwork. No social. No ID.
12 institutions are headquartered inside the Union County line, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Union County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Advanced Financial Credit UnionPersonal · Home · Business capital
- Community Financial Services Credit UnionPersonal · Home · Business capital
- Elizabeth (n.j.) Firemen's Credit UnionPersonal · Home
- Jersey Central Credit UnionPersonal · Home
- The Atlantic Credit UnionPersonal · Home · Business capital
- IN THIS LIST
2 of the 16 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Union County Employees Credit UnionPersonal · Home
- Wakefern Credit UnionPersonal · Home
- Union County Economic Development CorporationCommunity lending · Business capital
Show the other 4Show fewer
- Entertainment Industries FCUCDFI-certifiedPersonal
- Heard A.m.e. Credit UnionMinority depositoryPersonal
- Plainfield Police & Firemen's Credit UnionMinority depositoryPersonal
- The UCEDCBusiness capital
Based elsewhere, with a member-facing office inside the Union County line. You can walk in.
- Polish & Slavic Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Union County, New Jersey is one of the most diverse counties in the state, and its home financing landscape reflects that — with local credit unions, CDFIs, ITIN-friendly lenders, and New Jersey Housing and Mortgage Finance Agency (NJHMFA) programs all serving residents. Whether you are a solo contractor, a first-time buyer, or a small real-estate investor, this guide walks you through what home financing is, who typically qualifies in this region, what documents you will need, and which local institutions can actually help you. We also highlight state-specific rules and common traps to avoid so you can move forward with confidence.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Union County Economic Development Corporation · Entertainment Industries FCUOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Advanced Financial Credit Union · Community Financial Services Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN UNION COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN UNION COUNTY →18NJ COUNTIES WITH DOORSThe whole stateEvery county in New Jersey, in this same lane.34 institutions fund home financing inside New Jersey county lines.OPEN THE STATE →
Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.