{"id":10,"date":"2024-03-20T08:41:48","date_gmt":"2024-03-20T08:41:48","guid":{"rendered":"https:\/\/nysck.com\/NewJerseyMortgages\/?page_id=10"},"modified":"2026-01-08T10:07:17","modified_gmt":"2026-01-08T10:07:17","slug":"home","status":"publish","type":"page","link":"https:\/\/nysck.com\/NewJerseyMortgages\/","title":{"rendered":"Home"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code module_class=&#8221;home-banner-cont&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_class=&#8221;home-we-can-help&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow||||||||&#8221; text_text_color=&#8221;#417ebb&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1.3em&#8221; header_2_font=&#8221;Barlow|700|||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#272262&#8243; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.2em&#8221; text_orientation=&#8221;center&#8221; text_font_size_tablet=&#8221;42px&#8221; text_font_size_phone=&#8221;28px&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;28px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]Welcome to <span class=\"welcome-text\">NewJerseyMortgages.com <\/span>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow||||||||&#8221; text_text_color=&#8221;#202d62&#8243; text_line_height=&#8221;1.4em&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|-3px||-3px||&#8221; custom_padding=&#8221;|||3px||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>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&#8217;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.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; make_equal=&#8221;on&#8221; module_class=&#8221;journey-box journey-box-row&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1240px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;20px|10px|20px|10px|true|true&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_vertical=&#8221;4px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Purchase&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/icon-3.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;30px&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#152f6a&#8221; header_font_size=&#8221;22px&#8221; body_font=&#8221;Barlow|300|||||||&#8221; body_text_align=&#8221;center&#8221; body_text_color=&#8221;#202d62&#8243; body_line_height=&#8221;22px&#8221; body_ul_type=&#8221;none&#8221; background_color=&#8221;#FFFFFF&#8221; image_icon_custom_margin=&#8221;0px||0px||false|false&#8221; image_icon_custom_padding=&#8221;0px||0px||false|false&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;30px|15px|30px|15px|true|true&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_style_all=&#8221;none&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>101.5% CLTV, (96.5% 1st + 5% 2nd)<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>W2 Only Programs<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/> HomeReady and HomePossible<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>1 year tax returns<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\"  style=\"width:24px; height:16px;\"\/>Manufactured homes<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>DSCR, 1099, P&#038;L, Bank Statement<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjQ4In19@&#8221; button_text=&#8221;Get Started&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.5&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#417ebb&#8221; button_border_color=&#8221;#152f6a&#8221; button_border_radius=&#8221;5px&#8221; custom_padding=&#8221;|30px||30px|false|false&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#152f6a&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;20px|10px|20px|10px|true|true&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_vertical=&#8221;4px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Refinance&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/icon-3.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;30px&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#152f6a&#8221; header_font_size=&#8221;22px&#8221; body_font=&#8221;Barlow|300|||||||&#8221; body_text_align=&#8221;center&#8221; body_text_color=&#8221;#202d62&#8243; body_line_height=&#8221;22px&#8221; body_ul_type=&#8221;none&#8221; background_color=&#8221;#FFFFFF&#8221; image_icon_custom_margin=&#8221;0px||0px||false|false&#8221; image_icon_custom_padding=&#8221;0px||0px||false|false&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;30px|15px|30px|15px|true|true&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_style_all=&#8221;none&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>Full Doc &#038; Bank Statement<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>DSCR 1-4 units<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>Foreign National Programs<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>Fix and Flip Loans<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\"  style=\"width:24px; height:16px;\"\/>FNMA RefiNow Available<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>No Income Check Loans<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjUxIn19@&#8221; button_text=&#8221;Get Started&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.24.2&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#417ebb&#8221; button_border_color=&#8221;#152f6a&#8221; button_border_radius=&#8221;5px&#8221; custom_padding=&#8221;|30px||30px|false|false&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#152f6a&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;20px|10px|20px|10px|true|true&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_vertical=&#8221;4px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;HELOC or Second Mortgages&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/icon-3.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;30px&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#152f6a&#8221; header_font_size=&#8221;22px&#8221; body_font=&#8221;Barlow|300|||||||&#8221; body_text_align=&#8221;center&#8221; body_text_color=&#8221;#202d62&#8243; body_line_height=&#8221;22px&#8221; body_ul_type=&#8221;none&#8221; background_color=&#8221;#FFFFFF&#8221; image_icon_custom_margin=&#8221;0px||0px||false|false&#8221; image_icon_custom_padding=&#8221;0px||0px||false|false&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;30px|15px|30px|15px|true|true&#8221; border_radii=&#8221;on|10px|10px|10px|10px&#8221; border_style_all=&#8221;none&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>No Income Home Equity Loans<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>DSCR Second Mortgages<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>All Occupancy Types<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>Max Loan Amount $1MM<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\"  style=\"width:24px; height:16px;\"\/>All Non-QM Loan Types Available<\/li>\n<li style=\"text-align: left;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/Icon-1.png\" style=\"width:24px; height:16px;\" \/>Piggy-Back Loans<\/li>\n<\/ul>\n<p>[\/et_pb_blurb][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjUzIn19@&#8221; button_text=&#8221;Get Started&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.24.2&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#417ebb&#8221; button_border_color=&#8221;#152f6a&#8221; button_border_radius=&#8221;5px&#8221; custom_padding=&#8221;|30px||30px|false|false&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#152f6a&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|desktop&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_class=&#8221;best-choice&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6f6f6&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||26px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Barlow|700|||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#417ebb&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.2em&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;28px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Mortgage Programs That Go Beyond Conventional<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow|300|||||||&#8221; text_text_color=&#8221;#202d62&#8243; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>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<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; module_class=&#8221;requirements-div&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1240px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;req-left-div&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2025\/12\/image.png&#8221; alt=&#8221;No-Doc Mortgage Program Highlights&#8221; title_text=&#8221;image&#8221; force_fullwidth=&#8221;on&#8221; module_class=&#8221;requirements-img&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; 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border-left:1px solid #A4A4A4; border:1px solid #A4A4A4; border-bottom: 1px solid #A4A4A4;&#8221;>Bank<\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"20%\" align=\"center\" valign=\"middle\" style=\"border: 1px solid #A4A4A4;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Logo@2x.png\" style=\"min-width:100px; max-width:100%;\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->  <\/tr>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<tr style=\"background-color: #50505014;\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"70%\" align=\"center\" valign=\"middle\" style=\"border-bottom: 1px solid #A4A4A4; font-family: 'Barlow',Helvetica,Arial,Lucida,sans-serif;<!-- [et_pb_line_break_holder] -->  font-weight:300;<!-- [et_pb_line_break_holder] -->  font-size:18px;<!-- [et_pb_line_break_holder] -->  color: #505050 !important;<!-- [et_pb_line_break_holder] -->  text-align: left; &#8220;>Support from a dedicated Home Loan Expert <img decoding=\"async\" class=\"img-common-filter\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/42.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"10%\" align=\"center\" valign=\"middle\" style=\"<!-- [et_pb_line_break_holder] -->  text-align: center; 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&#8220;>A one-stop solution  <img decoding=\"async\" class=\"img-common-filter\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/42.png\"\/> <\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"10%\" align=\"center\" valign=\"middle\" style=\"<!-- [et_pb_line_break_holder] -->  text-align: center; border-left:1px solid #A4A4A4; border-right:1px solid #A4A4A4; border-bottom: 1px solid #A4A4A4;&#8221;><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-11.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"20%\" align=\"center\" valign=\"middle\" style=\"border-bottom: 1px solid #A4A4A4;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-10.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->  <\/tr>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<tr style=\"background-color: #50505014;\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"70%\" align=\"center\" valign=\"middle\" style=\"border-bottom: 1px solid #A4A4A4; font-family: 'Barlow',Helvetica,Arial,Lucida,sans-serif;<!-- [et_pb_line_break_holder] -->  font-weight:300;<!-- [et_pb_line_break_holder] -->  font-size:18px;<!-- [et_pb_line_break_holder] -->  color: #505050 !important;<!-- [et_pb_line_break_holder] -->  text-align:left; &#8220;>Discounted interest rates <img decoding=\"async\" class=\"img-common-filter\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/42.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"10%\" align=\"center\" valign=\"middle\" style=\"<!-- [et_pb_line_break_holder] -->  text-align: center; border-left:1px solid #A4A4A4; border-right:1px solid #A4A4A4; border-bottom: 1px solid #A4A4A4;&#8221;><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-11.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"20%\" align=\"center\" valign=\"middle\" style=\"border-bottom: 1px solid #A4A4A4;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-10.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->  <\/tr>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<tr><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"70%\" align=\"center\" valign=\"middle\" style=\"border-bottom: 1px solid #A4A4A4; font-family: 'Barlow',Helvetica,Arial,Lucida,sans-serif;<!-- [et_pb_line_break_holder] -->  font-weight:300;<!-- [et_pb_line_break_holder] -->  font-size:18px;<!-- [et_pb_line_break_holder] -->  color: #505050 !important;<!-- [et_pb_line_break_holder] -->  text-align:left;&#8221;>Legal duty to act in your best interests <img decoding=\"async\" class=\"img-common-filter\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/42.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"10%\" align=\"center\" valign=\"middle\" style=\"<!-- [et_pb_line_break_holder] -->  text-align: center; border-left:1px solid #A4A4A4; border-right:1px solid #A4A4A4; border-bottom: 1px solid #A4A4A4;&#8221;><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-11.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"20%\" align=\"center\" valign=\"middle\" style=\"border-bottom: 1px solid #A4A4A4;\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-10.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->  <\/tr>\n<p><!-- [et_pb_line_break_holder] -->  <\/p>\n<tr style=\"background-color: #50505014;\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"70%\" align=\"center\" valign=\"middle\" style=\"font-family: 'Barlow',Helvetica,Arial,Lucida,sans-serif;<!-- [et_pb_line_break_holder] -->  font-weight:300;<!-- [et_pb_line_break_holder] -->  font-size:18px;<!-- [et_pb_line_break_holder] -->  color: #505050 !important;<!-- [et_pb_line_break_holder] -->  text-align: left; &#8220;>16 hour phone support <img decoding=\"async\" class=\"img-common-filter\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/42.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"10%\" align=\"center\" valign=\"middle\" style=\"<!-- [et_pb_line_break_holder] -->  text-align: center; border-left:1px solid #A4A4A4; border-right:1px solid #A4A4A4;&#8221;><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-11.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->    <\/p>\n<td width=\"20%\" align=\"center\" valign=\"middle\"><img decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-10.png\"\/><\/td>\n<p><!-- [et_pb_line_break_holder] -->  <\/tr>\n<p><!-- [et_pb_line_break_holder] --><\/table>\n<p>[\/et_pb_code][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjY4In19@&#8221; button_text=&#8221;Get a Fast Quote&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.24.2&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#b93234&#8243; button_border_color=&#8221;#b93234&#8243; button_border_radius=&#8221;5px&#8221; button_font=&#8221;Barlow||||||||&#8221; custom_padding=&#8221;|30px||30px|false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#FFFFFF&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#b93234&#8243;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_class=&#8221;our-calculators-cont&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Barlow||||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#417ebb&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.2em&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;28px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Use One Of Our Many Calculators<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow|300|||||||&#8221; text_text_color=&#8221;#202d62&#8243; text_orientation=&#8221;center&#8221; custom_margin=&#8221;8px|||||&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_phone=&#8221;||||false|false&#8221; custom_padding_last_edited=&#8221;off|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry&#8217;s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1240px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#707070&#8243; border_width_bottom_tablet=&#8221;0px&#8221; border_width_bottom_phone=&#8221;0px&#8221; border_width_bottom_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;DSCR Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; content_max_width=&#8221;100%&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#202d62&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#202d62&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|20px|40px|20px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;off|desktop&#8221; border_width_bottom_tablet=&#8221;2px&#8221; border_width_bottom_phone=&#8221;2px&#8221; border_width_bottom_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Allow real estate investors to qualify based on a property&#8217;s cash flow rather than personal income. <\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/conventional\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; border_width_right=&#8221;2px&#8221; border_color_right=&#8221;#707070&#8243; border_width_left=&#8221;2px&#8221; border_color_left=&#8221;#707070&#8243; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; border_width_left_tablet=&#8221;0px&#8221; border_width_left_phone=&#8221;0px&#8221; border_width_left_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Bank Statement Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; content_max_width=&#8221;100%&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#202d62&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#202d62&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|20px|40px|20px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Allow self-employed borrowers to qualify based on bank deposits rather than tax returns.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/fha-va\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;HELOC&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; content_max_width=&#8221;100%&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#202d62&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#202d62&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|20px|40px|20px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Provides a revolving line of credit secured by home equity, allowing borrowers to access funds as needed.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/home-equity-line-of-credit\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1240px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#707070&#8243; border_width_bottom_tablet=&#8221;0px&#8221; border_width_bottom_phone=&#8221;0px&#8221; border_width_bottom_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;1099 Only Program&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; content_max_width=&#8221;100%&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#202d62&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#202d62&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|20px|40px|20px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>For independent contractors who qualify based on 1099 income, without complete tax return documentation.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/hometown-heroes\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; border_width_right=&#8221;2px&#8221; border_color_right=&#8221;#707070&#8243; border_width_left=&#8221;2px&#8221; border_color_left=&#8221;#707070&#8243; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; border_width_left_tablet=&#8221;0px&#8221; border_width_left_phone=&#8221;0px&#8221; border_width_left_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Co-op Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; content_max_width=&#8221;100%&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#202d62&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#202d62&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|20px|40px|20px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Specialized mortgage programs for cooperative properties, accounting for building financials.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/co-op-loans\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Foreign National Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; content_max_width=&#8221;100%&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#202d62&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#202d62&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|20px|40px|20px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Mortgage options for non-U.S. residents looking to purchase or refinance property in New Jersey.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/dscr-loans\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1240px&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; border_color_bottom=&#8221;#707070&#8243; border_width_bottom_tablet=&#8221;0px&#8221; border_width_bottom_phone=&#8221;0px&#8221; border_width_bottom_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Construction Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; content_max_width=&#8221;100%&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#202d62&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#202d62&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|20px|40px|20px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Short-term financing to build or renovate a property, with funds released in stages as work is completed.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/construction-loans\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; border_width_right=&#8221;2px&#8221; border_color_right=&#8221;#707070&#8243; border_width_left=&#8221;2px&#8221; border_color_left=&#8221;#707070&#8243; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; border_width_left_tablet=&#8221;0px&#8221; border_width_left_phone=&#8221;0px&#8221; border_width_left_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;No Income Check&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; content_max_width=&#8221;100%&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#202d62&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#202d62&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|20px|40px|20px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Programs qualify borrowers without income verification, focusing instead on assets and equity.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/no-income-check\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;ITIN Home Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; content_max_width=&#8221;100%&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#202d62&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#202d62&#8243; body_font_size=&#8221;14px&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|20px|40px|20px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Borrowers without a Social Security number can purchase or refinance using an Individual Taxpayer Identification Number.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/itin-home-loans\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221; module_class=&#8221;journey-box journey-box-row&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1240px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;DSCR Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#505050&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_width_right=&#8221;2px&#8221; border_color_right=&#8221;#707070&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Allow real estate investors to qualify based on a property\u2019s cash flow rather than personal income. <\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/conventional\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Bank Statement Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;programs-blurb-img&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#505050&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_width_right=&#8221;2px&#8221; border_color_right=&#8221;#707070&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Allow self-employed borrowers to qualify based on bank deposits rather than tax returns.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/fha-va\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;HELOC&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;programs-blurb-img&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#505050&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_line_height=&#8221;20px&#8221; image_icon_custom_margin=&#8221;||||false|false&#8221; image_icon_custom_margin_tablet=&#8221;||||false|false&#8221; image_icon_custom_margin_phone=&#8221;||||false|false&#8221; image_icon_custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|phone&#8221; border_color_right=&#8221;#707070&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Provides a revolving line of credit secured by home equity, allowing borrowers to access funds as needed.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/home-equity-line-of-credit\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221; module_class=&#8221;journey-box journey-box-row&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1240px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;1099 Only Program&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#505050&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_width_right=&#8221;2px&#8221; border_color_right=&#8221;#707070&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>For independent contractors who qualify based on 1099 income, without complete tax return documentation.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/hometown-heroes\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Co-op Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;programs-blurb-img&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#505050&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_width_right=&#8221;2px&#8221; border_color_right=&#8221;#707070&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Specialized mortgage programs for cooperative properties, accounting for building financials.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/co-op-loans\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Foreign National Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;programs-blurb-img&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#505050&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_line_height=&#8221;20px&#8221; image_icon_custom_margin=&#8221;||||false|false&#8221; image_icon_custom_margin_tablet=&#8221;||||false|false&#8221; image_icon_custom_margin_phone=&#8221;||||false|false&#8221; image_icon_custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|phone&#8221; border_color_right=&#8221;#707070&#8243; border_width_bottom=&#8221;2px&#8221; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Mortgage options for non-U.S. residents looking to purchase or refinance property in New Jersey.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/dscr-loans\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; make_equal=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221; module_class=&#8221;journey-box journey-box-row&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;1240px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Construction Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;icon-check&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#505050&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_width_right=&#8221;2px&#8221; border_color_right=&#8221;#707070&#8243; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; border_width_bottom_tablet=&#8221;2px&#8221; border_width_bottom_phone=&#8221;2px&#8221; border_width_bottom_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Short-term financing to build or renovate a property, with funds released in stages as work is completed.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/construction-loans\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;No Income Check&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;programs-blurb-img&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#505050&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_line_height=&#8221;20px&#8221; custom_padding=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; border_width_right=&#8221;2px&#8221; border_color_right=&#8221;#707070&#8243; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; border_width_bottom_tablet=&#8221;2px&#8221; border_width_bottom_phone=&#8221;2px&#8221; border_width_bottom_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Programs qualify borrowers without income verification, focusing instead on assets and equity.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/no-income-check\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;ITIN Home Loans&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png&#8221; icon_placement=&#8221;left&#8221; image_icon_width=&#8221;66px&#8221; icon_placement_tablet=&#8221;left&#8221; icon_placement_phone=&#8221;top&#8221; icon_placement_last_edited=&#8221;on|phone&#8221; module_class=&#8221;programs-blurb-img&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow|700|||||||&#8221; header_text_color=&#8221;#505050&#8243; body_font=&#8221;|300|||||||&#8221; body_text_align=&#8221;left&#8221; body_line_height=&#8221;20px&#8221; image_icon_custom_margin=&#8221;||||false|false&#8221; image_icon_custom_margin_tablet=&#8221;||||false|false&#8221; image_icon_custom_margin_phone=&#8221;||||false|false&#8221; image_icon_custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;40px|40px|40px|40px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;50px|0px|50px|0px|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_text_align_tablet=&#8221;&#8221; header_text_align_phone=&#8221;center&#8221; header_text_align_last_edited=&#8221;on|phone&#8221; body_text_align_tablet=&#8221;left&#8221; body_text_align_phone=&#8221;center&#8221; body_text_align_last_edited=&#8221;on|phone&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|phone&#8221; border_color_right=&#8221;#707070&#8243; border_color_bottom=&#8221;#707070&#8243; border_radii_tablet=&#8221;&#8221; border_radii_phone=&#8221;&#8221; border_radii_last_edited=&#8221;on|tablet&#8221; border_width_right_tablet=&#8221;0px&#8221; border_width_right_phone=&#8221;0px&#8221; border_width_right_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; border_radii__hover_enabled=&#8221;on|desktop&#8221;]<\/p>\n<p><span>Borrowers without a Social Security number can purchase or refinance using an Individual Taxpayer Identification Number.<\/span><\/p>\n<p><a class=\"et_pb_button et_pb_button_0 et_pb_bg_layout_light\" href=\"https:\/\/nysck.com\/NewJerseyMortgages\/itin-home-loans\/\">Learn More<\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.2&#8243; 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_module_preset=&#8221;default&#8221; max_width=&#8221;1236px&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Speak With a New Jersey Mortgage Specialist&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h3&#8243; title_font=&#8221;&#8211;et_global_heading_font|300|||||||&#8221; title_text_align=&#8221;center&#8221; title_text_color=&#8221;gcid-7caee691-6179-4b72-a6e6-2f76aba149e1&#8243; title_font_size=&#8221;48px&#8221; title_font_size_tablet=&#8221;30px&#8221; title_font_size_phone=&#8221;24px&#8221; title_font_size_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{%22gcid-7caee691-6179-4b72-a6e6-2f76aba149e1%22:%91%22title_text_color%22%93}&#8221;][\/et_pb_heading][et_pb_heading title=&#8221;(201) 448-8588&#8243; 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Our team is available to review your goals, answer questions, and help you identify the mortgage program that best fits your situation. Whether you&#8217;re buying, refinancing, or investing, a quick conversation can bring clarity and direction.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjQ0In19@&#8221; button_text=&#8221;Contact Us&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#417ebb&#8221; button_border_color=&#8221;#152f6a&#8221; button_border_radius=&#8221;5px&#8221; button_font=&#8221;Barlow||||||||&#8221; custom_padding=&#8221;|30px||30px|false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-73405db1-48f6-499a-85a5-9dbb520ff293%22:%91%22button_bg_color%22%93}&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#152f6a&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; make_equal=&#8221;on&#8221; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; specialty=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(118,80,48,0.77) 0%|rgba(118,80,48,0.77) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Mask-Group-5.png&#8221; inner_max_width=&#8221;1240px&#8221; disabled=&#8221;on&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Logo@2x.png&#8221; title_text=&#8221;Logo@2x&#8221; url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoiaG9tZV91cmwiLCJzZXR0aW5ncyI6e319@&#8221; _builder_version=&#8221;4.24.2&#8243; _dynamic_attributes=&#8221;url&#8221; _module_preset=&#8221;default&#8221; max_width=&#8221;275px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow|300|||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_line_height=&#8221;1.3em&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry&#8217;s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.<\/p>\n<p>Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry&#8217;s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. 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icon_placement=&#8221;left&#8221; content_max_width_tablet=&#8221;100%&#8221; content_max_width_phone=&#8221;100%&#8221; content_max_width_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow||||||||&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;28px&#8221; body_font=&#8221;Barlow|300|||||||&#8221; body_text_color=&#8221;#FFFFFF&#8221; body_font_size=&#8221;32px&#8221; link_option_url=&#8221;tel:2345678900&#8243; header_font_size_tablet=&#8221;28px&#8221; header_font_size_phone=&#8221;20px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;32px&#8221; body_font_size_phone=&#8221;16px&#8221; body_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>234-567-8900<\/p>\n<p>[\/et_pb_blurb][et_pb_blurb title=&#8221;Email Us At&#8221; image=&#8221;https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-53.png&#8221; icon_placement=&#8221;left&#8221; content_max_width_tablet=&#8221;100%&#8221; content_max_width_phone=&#8221;100%&#8221; content_max_width_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow||||||||&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;28px&#8221; body_font=&#8221;Barlow|300|||||||&#8221; body_text_color=&#8221;#FFFFFF&#8221; body_font_size=&#8221;24px&#8221; link_option_url=&#8221;mailto:support@newjerseymortgages.com&#8221; header_font_size_tablet=&#8221;28px&#8221; header_font_size_phone=&#8221;20px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; body_font_size_tablet=&#8221;24px&#8221; body_font_size_phone=&#8221;16px&#8221; body_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>support@newjerseymortgages.com<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner _builder_version=&#8221;4.24.2&#8243; 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_dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;#417ebb&#8221; button_border_color=&#8221;#152f6a&#8221; button_border_radius=&#8221;5px&#8221; button_font=&#8221;Barlow||||||||&#8221; custom_padding=&#8221;|50px||50px|false|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#152f6a&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#FFFFFF&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; disabled_on=&#8221;on|on|on&#8221; module_class=&#8221;step-to-take-cont&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row module_class=&#8221;step-to-take-top-row&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Barlow|700|||||||&#8221; header_2_text_align=&#8221;center&#8221; header_2_text_color=&#8221;#505050&#8243; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.2em&#8221; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;28px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Learning Center: Did you Know That&#8230;<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Barlow||||||||&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|-38px||-31px||&#8221; custom_padding=&#8221;||0px||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>As a mortgage company dedicated to education, our goal is to offer valuable insights. Explore our learning center for valuable tips on the home-buying process and property refinancing.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; module_class=&#8221;step-to-take-bottom-row&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;840px&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_cta title=&#8221;Question : 01&#8243; button_url=&#8221;https:\/\/georgiamortgage.com\/did-you-know-that-our-qualifying-ratios-reach-54-dti\/&#8221; button_text=&#8221;Click Here&#8221; module_class=&#8221;quote-box&#8221; _builder_version=&#8221;4.23.3&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow||||||||&#8221; header_text_color=&#8221;#FFFFFF&#8221; body_font=&#8221;Barlow|300|||||||&#8221; body_text_color=&#8221;#272262&#8243; background_color=&#8221;#FFFFFF&#8221; link_option_url=&#8221;https:\/\/georgiamortgage.com\/did-you-know-that-our-qualifying-ratios-reach-54-dti\/&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Icon_1.png\" width=\"115\" height=\"109\" alt=\"\" class=\"wp-image-163 alignnone size-full\" \/><br \/>Max DTI?<br \/><strong>54%<\/strong><\/p>\n<p>[\/et_pb_cta][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_cta title=&#8221;Question : 02&#8243; button_url=&#8221;https:\/\/georgiamortgage.com\/did-you-know-that-we-offer-financing-for-borrowers-with-minimum-500-credit-scores\/&#8221; button_text=&#8221;Click Here&#8221; module_class=&#8221;quote-box&#8221; _builder_version=&#8221;4.23.3&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow||||||||&#8221; header_text_color=&#8221;#FFFFFF&#8221; body_font=&#8221;Barlow|300|||||||&#8221; body_text_color=&#8221;#272262&#8243; background_color=&#8221;#FFFFFF&#8221; custom_margin=&#8221;||22px|||&#8221; link_option_url=&#8221;https:\/\/georgiamortgage.com\/did-you-know-that-we-offer-financing-for-borrowers-with-minimum-500-credit-scores\/&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Icon_2.png\" width=\"110\" height=\"111\" alt=\"\" class=\"wp-image-172 alignnone size-full\" \/><br \/>Least Credit Score?<br \/><strong>Minimum 500<\/strong><\/p>\n<p>[\/et_pb_cta][et_pb_button button_url=&#8221;https:\/\/georgiamortgage.com\/news\/&#8221; button_text=&#8221;VISIT OUR LEARNING CENTER&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;et_pb_button et_pb_button_0 et_pb_bg_layout_light&#8221; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#5fa8d3&#8243; button_border_width=&#8221;2px&#8221; button_border_color=&#8221;#5fa8d3&#8243; button_font=&#8221;Barlow||||||||&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;#fc80ad&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_border_color__hover_enabled=&#8221;on|hover&#8221; button_border_color__hover=&#8221;#fc80ad&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_cta title=&#8221;Question : 03&#8243; button_url=&#8221;https:\/\/georgiamortgage.com\/did-you-know-we-offer-1-down-payment-mortgages\/&#8221; button_text=&#8221;Click Here&#8221; module_class=&#8221;quote-box&#8221; _builder_version=&#8221;4.23.3&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Barlow||||||||&#8221; header_text_color=&#8221;#FFFFFF&#8221; body_font=&#8221;Barlow|300|||||||&#8221; body_text_color=&#8221;#272262&#8243; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;36px||42px|||&#8221; link_option_url=&#8221;https:\/\/georgiamortgage.com\/did-you-know-we-offer-1-down-payment-mortgages\/&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Icon_3.png\" width=\"81\" height=\"113\" alt=\"\" class=\"wp-image-175 alignnone size-full\" \/><br \/>Minimum Down Payment?<br \/><strong>Only 1%<\/strong><\/p>\n<p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Welcome to NewJerseyMortgages.com 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&#8217;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: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-10","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/nysck.com\/NewJerseyMortgages\/wp-json\/wp\/v2\/pages\/10","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nysck.com\/NewJerseyMortgages\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/nysck.com\/NewJerseyMortgages\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/nysck.com\/NewJerseyMortgages\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nysck.com\/NewJerseyMortgages\/wp-json\/wp\/v2\/comments?post=10"}],"version-history":[{"count":192,"href":"https:\/\/nysck.com\/NewJerseyMortgages\/wp-json\/wp\/v2\/pages\/10\/revisions"}],"predecessor-version":[{"id":1205,"href":"https:\/\/nysck.com\/NewJerseyMortgages\/wp-json\/wp\/v2\/pages\/10\/revisions\/1205"}],"wp:attachment":[{"href":"https:\/\/nysck.com\/NewJerseyMortgages\/wp-json\/wp\/v2\/media?parent=10"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}