We have solutions for your financing needs.
Call us for your mortgage today!
(800) 327-0123
Today's Rates
Apply Now
Mortgage News

30 Year Fixed Jumbo
4.000% APR
30 Year Fixed
3.866% APR
15 Year Fixed
3.354% APR
FHA 30 Year Fixed
4.425% APR

NJ / NY Mortgage Rates & Programs


Quick 30 day closings.

Shopping for a new home mortgage or planning refinance to leverage your equity in your home?   Our mortgage technology platform is high tech with a human touch.  Save time by completing our online portal application.  You can download our free Mobile mortgage app to calculate how much home you can afford. 

We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.  From the first time homebuyer to the move up or luxury home buyer, we have the best current mortgage rates and loan programs for your need in NJ (see our low mortgage rates).  Purchase and refinance mortgage programs for one to four family property brokered with various wholesale lender outlets. Credit from 500+ fico scores can qualify. 

New Product for the Purchase Market:

1) HELOC: No Mortgage insurance 5% down payment, 95% CLTV 

2) Jumbo 90% LTV up to $1.5 million, No Mortgage Insurance for borrowers with 680 FICO, significant reserves 

First Time Home Buyer
First time homebuyer program with as little as 3% down payment. FHA programs start with credit scores 580+ and 3.5% down payment.  Lower credit scores (500-579) require adjustments to rate and down payment.

Gifts and seller concessions up to 6% for closing costs are permissable.  

Portfolio Mortgage Loans

Perhaps you are a non-traditional borrower who falls outside the traditional bank lending profile verifying income or might have credit issues, one day out of Bankruptcy or one day out of Foreclosure.

Self-employed borrowers with good credit and assets can get approved today using alternative bank statement program.  Or maybe you are not the traditional borrower who cannot verify income but you have a large asset base.  We may have a Portfolio Mortgage loan program for 1 day out of Bankruptcy or Foreclosure with down payment as low as 10%.  Agency Fallout, Jumbo Loans up to $6,000,000 short sales, bankruptcy, foreclosure, high investor concentration is ok. Inquire about the No Income, Verified Assets.  Don't worry, we have loan programs with credit 500+ credit score with reestablished credit.
Investor 1-4 family or Self Employed loan

Looking to purchase an investment, owner occupied or second home property?  You may qualify for a 85% loan program, no mortgage insurance.  Hold property in  personal or corporate name.

Self-Employed portfolio loan program or we can use average 12 bank statement deposits as income, No tax returns required. 

Today's technology provides a more productive environment to submit a complete on-line, secure loan application or pre-qualify for a home loan. You may also evaluate your different financing options by using our interactive calculators and going over various mortgage scenarios for purchase, refinance or investment. 

Call us now at 908-722-9217 or 800-327-0123. Start application now: secure online mortgage application.

 mortgage rates, NY mortgage rates, NJ purchase mortgage rates, NY purchase mortgage rates, bridgewater nj mortgage rates, basking ridge nj mortgage rates

Recent Articles

How To Tell If A Home Is 'Move-In' Ready
If you’re home shopping, you’ve probably seen or heard the phrase “move-in ready” in the property description. But what does “move-in ready” really mean and how can you tell if a property that “shows well” is truly ready for your...
Mortgage Mythbusters: First-Time Homebuyer Edition
Entering the housing market as a newbie can be intimidating. Even more so when you hear rumors about how "difficult" or "expensive," it is. But don't believe it! As the experts in first-time home loans, we have all the answers and resources to make your home purchase happen with ease...
The Essentials of Getting a Veteran Home Loan
If you are an active member of the Military, a veteran or a spouse of a member of the armed forces, you may qualify for a unique mortgage program from the Department of Veteran Affairs. VA loans offer some of the most affordable ways to finance a home purchase.  VA loans are exclusive to...
13 Smart Reasons to Refi Your Home Loan Today
Low-interest rates are the most common reason borrowers refinance but are there other reasons? Yes! There are several beneficial reasons to refi your current loan and here's a brief list that we've compiled through our years of experience.  All of these may not apply to you, but...