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Low Monthly Payment

Low Interest Rates

Purchase or Refinance

$150 million

In Loans Funded to Date

99.9%

Customer Satisfaction Rate

10-Day

Average Loan Approval Period

NJ mortgage loans

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.

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 and disposable income. 

Home Purchase Down payments as low as 3%

First time homebuyer programs with as little as 3% down payment. FHA programs start with credit scores 500+ and 3.5% down payment.  Low credit score require adjustment to rate and down payment. Gifts and seller concessions for closing costs are permissable.  Self-employed borrowers can use average net bank deposits (either personal or business) as qualifying income. 

Portfolio Mortgage Loans

30 year fixed, minimum 5% down payment NO pmi, loan amounts up to $750,000 with 700 FICO score.  Self-employed borrowers with good credit and assets can get approved today.  Or maybe you are not the traditional borrower who can verify income, you may have credit issues, you are one day out of Bankruptcy or one day out of Foreclosure. 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 that requires a 680 FICO score.  Don't worry, bad credit mortgage loans are available.  Call us today at 908-722-9217.

Investor 1-4 family loans

Looking to purchase an investment property?  You may qualify for a 15% down payment program, no mortgage insurance.  Hold property in  personal or corporate name. We have a No Ratio program or we can use 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. Check out our NJ current best jumbo and FHA

Call 908-722-9217.

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What is Digital Mortgage?

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Our most popular loans

Most people get one of these

30 year fixed

4.580% | 4.612% APR

No Income, Verified Assets

5.625% | 5.990% APR

FHA High Balance 30 yr fixed

4.750% | 5.598% APR

5 5/1 ARM 12 month banks statement

5.250% | 5.463% APR