Loan Types
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First-Time Homebuyer
These programs may offer decreased down payment eligibility and special grants for first time home buyers.
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Conventional Loan
A conventional loan is any type of mortgage that is not secured by a government-sponsored entity (GSE).
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VA Loans
You can use your VA Loan to purchase a house. You can also build a home, make energy-efficient home improvements, or refinance your mortgage.
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FHA Loans
In today’s tight lending environment, an FHA is often the best choice for borrowers with past credit issues.
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Reverse Mortgages (HECMs)
Reverse mortgages allow eligible homeowners 62 and older to convert a portion of their home equity into tax-free funds without monthly mortgage payments. It’s a flexible way to access cash while staying in your home.
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Jumbo & Super Jumbo Loans
These loans, above $453,100.00 and $679,650.00 respectively, are not backed by Fannie Mae or Freddie Mac, and will carry with them higher interest rates due to the increase in risk.
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Divorce Loans
Divorce is an ugly word, however, certain steps need to be taken so that both you and your departing spouse can both go on with your lives.
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Refinance Options
There are various alternatives available to modify the terms of an existing loan or financial agreement.
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Construction Loans
A Construction loan will give you the funds you need to build your home, the way it was intended to be, exactly the way you want it.
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FHA 203K Loans
This program is designed to assist homeowners who were facing difficulties in refinancing their mortgages due to declining property values.
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Mortgage After Foreclosure
It may not be as difficult as you think to get a mortgage after foreclosure in New Jersey. The waiting period varies depending on the type of loan.
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Mortgage After Bankruptcy
While you cannot secure a mortgage immediately after filing for bankruptcy you can follow some steps to help you get approved between 2 and 5 years following the discharge.
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30 Year Fixed Rate
This is a fully amortizing program with a fixed interest rate over the life of the loan.
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Commercial Real Estate Loans
Get Approved For A Variety Of Property Types.
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Adjustable Rate Mortgage (ARM)
These programs allow for lower down payments, higher debt-to-income ratios, and more flexible credit package underwriting guidelines.
