NJ / NY Mortgage Rates & Programs

Looking to refinance and close in 21 days? Get started today using our secure online application. 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 21 days! 

New Product for the Purchase Market:

Jumbo 90% LTV up to $1.5 million, No Mortgage Insurance for borrowers with 680 FICO, requires 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. 

Move Up Home Buyer

Maybe you have outgrown your home. Empty nester looking for a 2nd home in the city. Move up buyer home mortgage loans with as little as 3.5% down up to $726,525 in high cost areas. 10% down payment up to $1.5 million.

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.