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. With locations in both Monmouth & Ocean County NJ we can meet with clients in person and spend time to ensure they understand the details of their transaction.
I can provide fast, free pre-approvals and a 21 day closing guarantee as well as a true underwritten Pre-Approval via our Platinum TBD Pre-Approval process.
We offer FHA, Conventional, VA, USDA, and both Conventional and FHA 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. If the scenario makes sense, we will find a way to help obtain an approval.
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 5% down payment Conventional mortgages and $0 down VA & USDA mortgages.
We offer qualified buyers the ability to eliminate or reduce PMI with less than 20% down payment in several ways. This can save hundreds of dollars a month for our clients.
My website offers a free online mortgage application for pre-approval at
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.
AnnieMac Home Mortgage is an equal housing lender.
Licensed by the N.J. Department of Banking and Insurance.