Your Trusted NJ & NY Mortgage Partner – Golden Mortgage Corporation

We make the mortgage process easy!

Getting a mortgage isn't a chore, so let's lighten up the mood. 

Why did the first-time homebuyer cross the Hudson River?
To escape New York closing costs…
…only to be eaten alive by New Jersey property taxes!

Home Loans, Refinancing & Investment Properties

Golden Mortgage Corporation is a licensed New  Jersey Correspondent Banker and New York mortgage broker helping first-time homebuyers, seasoned homeowners, and real estate investors secure the right loan. Whether you’re buying in Bridgewater, Somerset, Union, Hunterdon, Morris, Bergen, Monmouth NJ, Manhattan, Brooklyn, Queens, the Bronx, Staten Island, or upstate NY, our team makes the mortgage process simple and stress-free. Call us locally in NJ: tel 908-722-9217  NY: tel 516-595-2529  or toll-free 877-539-1697 today!

Why Choose Golden Mortgage?

  • Local Expertise – We understand the New York housing market, from co-ops and condos in the city to single-family homes in the suburbs. 
  • Wide Range of Loan Options – Conventional, FHA, VA, Jumbo, Bank Statement Loans, DSCR, HELOCs, and more.
  • Competitive Rates & Low Fees – Access wholesale mortgage rates tailored to your needs.
  • Personalized Service – Every borrower’s situation is unique—we find solutions for self-employed borrowers, investors, and those with complex financial profiles.

Loan Programs We Offer

Conventional Loans

Conventional loans are ideal for borrowers with good credit and stable income. We help NJ and NY clients secure fixed or adjustable-rate conventional mortgages with competitive terms.  Programs start with as little as 3% down payment.

FHA, Reverse & VA Loans

We offer FHA loans for low 3.5% down payment options for first time homebuyers or credit issues, Reverse Mortgage for age 62 1/2 and VA loans for eligible veterans and military families. Golden Mortgage makes these programs accessible and hassle-free.

Jumbo Loans

Need a loan above conforming limits? Our jumbo mortgage solutions are perfect for high-value homes in NY and NJ, with flexible underwriting and expert guidance.

Self-Employed Borrower Programs

Income verification doesn't have to be difficult. We offer bank statement and alternative documentation portfolio loans tailored for self-employed professionals and business owners. Home mortgage, Home Equity Line of Credit or stand alone second mortgage.

First-Time Homebuyer Programs

Buying your first home? We guide NJ and NY first-time buyers through affordable mortgage options, including low down payment and grant-eligible programs.

Portfolio Mortgage Options for Less-Than-Perfect Credit

Worried about your credit score? We work with borrowers across NJ and NY to find flexible mortgage options—even with less-than-perfect credit. Our team helps you understand your eligibility and improve your chances of approval through FHA loans, alternative documentation programs, or credit coaching support.  Let’s talk about your mortgage options—no credit judgment, just real solutions.  Schedule a Free Consultation 

Home Equity Line of Credit (HELOC)

Need cash?  Why refinance and lose your low mortgage rate? Unlock your home's equity with a HELOC while keeping your low-rate first mortgage. Qualify using your monthly income or bank statement deposits as income.

Second Chance Loans

We have portfolio lenders who believe in providing loans to individuals who have endured financial hardship.  Examples of loans that we do that others won't: Previous bankruptcy, previous foreclosure, previous short sale, prior modification, HOEPA/Section 32 loans, mobile homes of any age, no maximum acreage, vacant land, and zoning problems. We are willing to take some risk and to give you a second chance through a Second Chance Loan Program.

  • See If you qualify for a low down payment option

    See how much you qualify for with our quick qualifier! Just enter your zip code to get started. We will tell you how much you qualify and send a pre-qualification letter on completion.

  • Get The Right Loan For You!

    Whether you are looking to refinance to save on your monthly payments with today's historic low rates, or looking to get pre-qualified to compete with cash offers, we can help!

  • Fund Your Loan Today

    With today's historically low rates, now is a great time to get financing. Complete our quick secure application, and we will get you a custom quote with different options and review which one best fits your needs!

Work With a Licensed New Jersey and New York Mortgage Broker

Choosing the right NJ / NY mortgage broker can save you thousands over the life of your loan. At Golden Mortgage Corporation, we compare loan programs across multiple lenders to find the perfect fit for your financial situation.

Calculate Monthly Payment

Today's NJ NY Mortgage Rates *

*=This is only an estimate, provided for illustrative purposes only. Rates based on 780 credit score, 20% downpayment, single family property. It does not constitute a quote. Actual rates and payments may vary based on credit score, market conditions, property type, down payment, lock period.

What Our Clients Say

Home Purchase and Refinance Loans Tailored to You

Whether you're buying your first home, upgrading, or refinancing, we customize mortgage options to fit your goals and budget.

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Get Pre-Qualified

We can get you prequalified online so you can make an offer with confidence that it will get accepted.

  • Benefits
  • icon Get Your Offer Accepted
  • icon Know Your Buying Range
Get Pre-Qualified
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Shop For Best Rate

We will use our network of lenders to shop for the best rates and loan program to fit your needs.

  • Benefits
  • icon Shop Multiple Lenders
  • icon Lower rates, Lower Payments
Shop Rates
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Fast Funding

Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze.

  • Benefits
  • icon Hassle Free Funding
  • icon Get Your Dream House
Fund Your New Home

Serving Communities Across New Jersey and New York

Our team at Golden Mortgage Corporation is fast, friendly, experienced and here to help you every step of the process! Since 1998, we have been helping clients afford the home of their dreams.  We love what we do. We share years of experience in the NJ & NY purchase and refinance mortgage markets.  Our staff have assisted numerous first-time homebuyers and executives relocating from out of state to purchase homes.  Borrowers in Bridgewater, Basking Ridge, Bedminster, Branchburg, Somerville, Hillsborough, Hunterdon, Hoboken, Flemington, Warren, Morristown, Montgomery, Fort Lee, Hoboken and Edison, NJ.  Westchester, Manhattan, Brooklyn, Queens, and Staten Island NY.

Latest Blog Posts

Mortgage Solutions Tailor For You.  The Golden Mortgage Corporation Advantage

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Local Knowledge

We know the area and the market and we're part of your community.

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Fast Processing

We work to close your loan as quickly as possible. You can opt to use 3rd party paperless verification of asset or income !

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Best Service

We offer a hybrid approach of new technology to speed closing and old fashioned customer service and communication.

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Utilizing Technology

We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!

Start Your Purchase or Refinance Today

Purchase: Get pre-approved. for your mortgage today! Learn more about your buying power.

Refinance: We can help you lock in a long term fixed rate, reduce the term on your mortgage, consolidate high interest rate debt or get out of your ARM.  If you recently purchased you home with cash, delayed financing allows you to buy a home one day, then apply for a mortgage the next.

CLICK HERE FOR MORE
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Apply Now

Get started with our easy NJ and NY online application.

CLICK HERE TO GET STARTED
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The Golden Mortgage Corporation Address

Contact Us:

Phone: (877) 539-1697

Address: 818 Rt 202 206
Bridgewater, NJ
08807

Office Hours:

Monday-Friday: 9am to 6pm
Saturday: 10am to 2pm
Sunday: Closed