• 			    No matter what type of loan you need, we're with you every step of the way.

    No matter what type of loan you need, we're with you every step of the way.

  • 			    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.

  • 			    REFINANCING is easy with our professionals' help.

    REFINANCING is easy with our professionals' help.

NJ / NY Mortgage Rates & Programs

Shopping for a new home mortgage, planning to refinance your mortgage or buying a second home or investment property?   Our mortgage technology platform is high tech with a human touch.  You can download our free Mobile mortgage app to calculate how much home you can afford. 

We understand that each customer has specific needs which require individual attention.  After your initial consultation with a loan officer, we will strive to meet those specific needs from start to finish.  Our access to multiple lenders allows us to shop for the best rates and programs to fit our customers needs.

We have mortgage programs to accommodate the first time homebuyer, the move up home buyer or Investor.  We have the best current mortgage rates.  Purchase and refinance mortgage programs for single family to multi-family properties.  If you have great credit and income, you might qualify for quick closing in less than 30 days! Start application your: secure online mortgage application

New Product for the Purchase Market:

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 a minimum 3.5% down payment. Lower credit scores between 500-579 require larger down payment of 10%.  Gifts and seller concessions allowed up to 6% of purchase price toward borrower closing costs. 

Portfolio Mortgage Loans

Perhaps you are a non-traditional borrower who is retired with assets? Need a divorce buyout? A business owner who can't verifying income? Credit issues such as collection accounts, one day out of Bankruptcy or Foreclosure.  Turned down by your bank?  Portfolio loan programs utilize alternative underwriting policies to finance a non-traditional bank loan at an assigned risk adjusted rate and/or larger down payments.  We'll help plan a strategy to help get you into a home and enable you refinance when your situation improves.

  • Self-employed borrowers with good credit and assets can get approved using alternative bank statement program
  • 1 day out of Bankruptcy or Foreclosure with down payment as low as 10%
  • Retired with assets?  You may qualify using an asset depletion mortgage program.
  • Jumbo Loans up to $6 million
  • Investor No Income, Verified Asset, No Tax Return Program
  • Refinance Investor or Fix and Flip, no seasoning maximum required for 80LTV.  No Income based on Rental Income greater than the mortgage payment, borrower can own unlimited properties. Loan amounts to $3.5 million 

Investor 1-4 unit property  

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

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. 

While rates are still low, call us now at 908-722-9217 or 800-327-0123. Start application: secure online mortgage application.    

 

Mortgage Technology

We've got the latest technology such as the Automated Asset Verification Option in liue of collecting personal financial documents.  Go DOC LESS, where you authorize us to electronically verify your income, assets and tax returns.  And your property might qualify for a appraisal waiver.

TODAY'S RATES
Program
Rate
APR
30 Year Fixed Jumbo
3.750%
3.851% APR
30 Year Fixed
3.750%
3.786% APR
15 Year Fixed
3.250%
3.254% APR
FHA 30 Year Fixed
3.000%
3.861% APR

Recent Articles

Jan
23
2020
Breaking Down Mortgage Closing Costs
Whether you are buying a home or are refinancing, there are fees required to finalize the loan. We lump all these together and call them closing costs. With refinance loans, the closing costs are a bit less because certain elements are missing (such as title fees, home appraisal fees, and...
Jan
15
2020
The Ultimate Home Shopping Guide for First-Time Homebuyers
Are you buying a house for the first time? Not knowing what to expect can make things unnecessarily overwhelming and daunting. To help reduce the stress of the unknown, we've broken down the timeline to buying a home in this step-by-step guide. Keep in mind that this is just a general...
Jan
10
2020
What to Expect When Buying a Foreclosed Home
Foreclosed homes are some of the best home purchase deals you can find but that doesn’t mean that you should through caution to the wind when considering purchasing a foreclosed home.    In fact, some foreclosed homes can end up costing you more money (or headaches)...
Jan
03
2020
2020 Real Estate Trends: Is It a Good Time To Buy or Sell?
Some of the first things we look at when determining a favorable seller’s and buyer’s market are employment, income, and consumer confidence levels. Those 3 points combined with current rates and loan programs give us an excellent sense of how big the opportunity is for...