NJ & NY Mortgage Move Up Homebuyer Mortgage
Rates are at a all time historic low, so buying your next home doesn't need to be a difficult task. Golden Mortgage can help you make it a hassle free experience. Home buyers can get pre-approved for free, before shopping for your new home. Gain the advantage and get more bargaining power with fixed or adjustable rate mortgage loans. Video Move Up or Downsizing?
Our exclusive mortgage programs allow you to purchase a home with minimal downpayment. Some programs with as little as 3% down program. We have helped homebuyers over the past 16 years, just like you, buy their home. If you put a down payment less than 20% of the purchase price, you may need to pay Private Mortgage Insurance (PMI). Alternatively, there is a Lender Paid Mortgage Program which eliminates PMI. The 30 year fixed FHA program has a minimum 3.5% down payment, requiring a minimum mid credit score 580+. FHA also has a 550+ credit score with a minimum of 10% down payment. Both programs do not allow mortgage lates in the last 12 months. Credit issues are okay. 10% down payment programs 1 day out of bankruptcy or foreclosure, if you qualify.
Jumbo Loans (up to $3 million)
We have fixed and adjustable rate loans available up to 85% to $1 million loan amounts. Large down payment required for loans in excess of $1 million.
Important steps for a homebuyer mortgage approval:
Get your financial house in order is the key prior to housing hunting or preparing to get a mortgage.
Get started on your mortgage Pre-Approval or call us today toll-free at 800-327-0123.