NJ / NY Mortgage Rates & Programs

MORTGAGE RATES ARE DROPPING!

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.

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