I am a residential mortgage lending specialist in New Jersey. I have a support staff of mortgage experts to ensure that we provide concierge level service to both our clients, and our referral partners with regular updates, advice and 24/7 availability.
I can provide fast, free pre-approvals and a 21 day closing guarantee. We offer FHA, Conventional, VA, USDA, Home Path, and 203k renovation loans.
We have in house processing, and underwriting as a direct lender, and we have more liberal underwriting than your typical bank does. We offer higher debt to income qualifying ratios than many lenders allowing up to 56.99% total debt ratios on FHA and down to 580 FICO scores for buyers with compensating factors.
We offer many low down payment purchase loans, including 3% down Conventional mortgages.
We offer qualified buyers the ability to eliminate PMI with less than 20% down payment.
I have 12 years of mortgage lending experience, and over 20 years of consumer credit & lending experience. As branch manager for our office, I can provide the expertise & resources needed to ensure a successful transaction. My team & I would be happy to answer any questions you may have, so please contact us.
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