NJ & NY Mortgage Refinance Programs

Borrowers also have the option to close your mortgage loan completely online from the comfort of your living room, when you want and where you want.  Video about refinancing options.

Need a raise or increase your monthly income? Now is a great opportunity to take advantage of historic low refinance mortgage interest rates!  If you’re looking to lower your current rate, consolidate debts or obtain cash from your equity, it may be a good time to refinance.  Lower your mortgage payments or lower interest rate but keeping the loan term the same.  Interest only and amortization 40 year term options available if qualified.

Low mortgage interest rate programs can provide you the opportunity to:
• Refinance your current mortgage payment to a lower interest rate
• Keep your loan payment the same and reduce your mortgage term (reduce years off mortgage) and get debt free 
• Consolidate your debts into one low monthly payment
• Reduce your monthly payment
• Divorce Buyout refinance mortgage options
• credit scores from 500+
• Cash Out 6 months from purchase

Alternative Documentation for Non Traditional Income Sources

• Bank statement program calculated income for self-employed (no tax returns), owner occupied or investment property
• Stated income maximum 65% loan-to-value (no tax returns)
• Investor Debt-Service Coverage loan max 80% LTV, no income required. 1:1 ratio of rent to housing payment
• Investor 1-4 units in Entity name (or Personal Name) cash out to 75% LTV
• Asset Depletion loan for Retirees or individuals with large asset portfolio
• Verification of Employment Only (no paystubs, no W2, no tax returns)

Take action now!  Call us today to discuss your mortgage refinance options.  Apply Now and Save!   Research loan options, find the choice that is right for you and your situation. Our professionally trained staff of Mortgage Advisors is ready to help find the right loan for you,. Determine if it is cost effective to refinance your mortgage using mortgage calculator(s): Tools for Debt consolidation, calculate what is may payment savings.

Call today toll-fee at 800-327-0123 to discuss your mortgage options or complete an Inquiry Form.

New Application Technology:

No copying bank statements or paystubs.  Apply with our new, secure, hassle-free technology to apply for a home loan completely on-line.  Run your credit, authorize us to electronically verification of employment and assets from the comfort of your home. E-sign your entire initial disclosure package and upload supporting documents.  Apply NOW, at your convenience using our On-line, secured mortgage application.