First Financial membership is open to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties. *$5 in a base savings account is your membership deposit and is required to remain in your base savings account at all times to be a member in good standing. All credit unions require a membership deposit. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the Bronze Tier. Click here to view full Rewards First program details, and here to view the Tier Level Comparison Chart. Accounts for children age 13 and under are excluded from this program.

Terms and Conditions

Kathleen Acquaviva
Mortgage Underwriter


Kathleen Acquaviva began her employment with First Financial in 2006 as a Mortgage Underwriter.  Her current responsibilities at First Financial include answering member questions and counseling members regarding real estate loan transactions; she originates, processes, evaluates, closes, and funds all real estate related loans - including first mortgages, home equity loans, and home equity lines of credit; she handles any mortgage loans in delinquency; she maintains the mortgage loan servicing system; and handles mortgage compliance requirements.


Ms. Acquaviva began working in the mortgage industry in 1993, and was also employed by Arlington Capital, Gateway Funding d/b/a Ivy Mortgage, and Mary Holder Agency.  She received her Bachelor of Arts Degree from Georgian Court University in Lakewood, New Jersey.


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