Buying, refinancing, or investing in New Jersey real estate requires local expertise and creative loan options. We connect borrowers with innovative mortgage solutions tailored to New Jersey’s unique markets, from first-time homebuyers and homeowners looking to refinance to real estate investors seeking DSCR, Non-QM, and alternative-income programs. Our focus is simple: clear guidance, fast execution, and mortgage strategies to help you move forward with confidence in any market.
Purchase
101.5% CLTV, (96.5% 1st + 5% 2nd)- W2 Only Programs
- HomeReady and HomePossible
- 1 year tax returns
- Manufactured homes
- DSCR, 1099, P&L, Bank Statement
Refinance
- Full Doc & Bank Statement
- DSCR 1-4 units
- Foreign National Programs
- Fix and Flip Loans
- FNMA RefiNow Available
- No Income Check Loans
HELOC or Second Mortgages
- No Income Home Equity Loans
- DSCR Second Mortgages
- All Occupancy Types
- Max Loan Amount $1MM
- All Non-QM Loan Types Available
- Piggy-Back Loans
Mortgage Programs That Go Beyond Conventional
Our New Jersey loan programs provide a high-level overview of qualification standards across conventional, government, and alternative mortgage programs. From credit score ranges to loan-to-value limits, we help borrowers and investors evaluate opportunities efficiently.giv
New Jersey Loan Parameters
Loan Amount Up To $25 Million.
Loan Amount Starting at $75K.
Credit Scores down to 620
No personal income needed to qualify
Conventional, FHA and VA Available
90% LTV for Bank Statement Program
Primary Residence, 2nd Homes and Investment Properties
Mixed-use and Commercial Properties
Use One Of Our Many Calculators
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DSCR Loans
Allow real estate investors to qualify based on a property’s cash flow rather than personal income.
Bank Statement Loans
Allow self-employed borrowers to qualify based on bank deposits rather than tax returns.
HELOC
Provides a revolving line of credit secured by home equity, allowing borrowers to access funds as needed.
1099 Only Program
For independent contractors who qualify based on 1099 income, without complete tax return documentation.
Co-op Loans
Specialized mortgage programs for cooperative properties, accounting for building financials.
Foreign National Loans
Mortgage options for non-U.S. residents looking to purchase or refinance property in New Jersey.
Construction Loans
Short-term financing to build or renovate a property, with funds released in stages as work is completed.
No Income Check
Programs qualify borrowers without income verification, focusing instead on assets and equity.
ITIN Home Loans
Borrowers without a Social Security number can purchase or refinance using an Individual Taxpayer Identification Number.
Speak With a New Jersey Mortgage Specialist
Every loan scenario is different, and the right guidance can make all the difference. Our team is available to review your goals, answer questions, and help you identify the mortgage program that best fits your situation. Whether you’re buying, refinancing, or investing, a quick conversation can bring clarity and direction.
News and Updates
HELOCs in New Jersey for Investment Properties
We offer Home Equity Lines of Credit, HELOCs in New Jersey, including options that allow investment properties, a financing option that many conventional lenders do not offer. Below is a real-world scenario that highlights how a Non-QM HELOC in New...
Understanding FHA Rules for Omitting Installment Debt in New Jersey
When applying for an FHA home loan in New Jersey, every detail of your debt-to-income (DTI) ratio matters. Many borrowers assume that an installment loan with 10 or fewer payments remaining can be automatically excluded from DTI, but FHA adds one...
Who Can Give a Gift of Equity?
Let us discuss how Fannie Mae and Freddie Mac have aligned on who can give a Gift of Equity. Fannie Mae allows the donor to be a relative related by blood, a close family friend that is documented, a domestic partner, or an estate or trust of a...
