[et_pb_section fb_built=”1″ fullwidth=”on” disabled_on=”on|on|on” admin_label=”Page Header” _builder_version=”4.24.2″ background_image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Untitled-2-1.png” parallax=”on” animation_direction=”top” disabled=”on” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Programs” text_orientation=”center” admin_label=”Hero Section” _builder_version=”4.24.2″ title_font=”Barlow|700|||||||” title_text_align=”center” title_font_size=”60px” title_line_height=”1.4em” content_font_size=”22px” content_line_height=”1.8em” subhead_font=”||||” background_color=”rgba(255, 255, 255, 0)” use_background_color_gradient=”on” background_color_gradient_stops=”#202d62 0%|rgba(39,34,98,0.3) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(58,52,226,0.93)” background_color_gradient_end=”rgba(73,108,220,0.7)” custom_button_one=”on” button_one_text_size=”16px” button_one_bg_color=”#6eba01″ button_one_border_width=”2px” button_one_border_color=”#6eba01″ button_one_border_radius=”0″ button_one_letter_spacing=”2″ button_one_font=”Montserrat|||on|” button_one_use_icon=”off” custom_button_two=”on” button_two_text_size=”16px” button_two_border_width=”2px” button_two_border_color=”#ffffff” button_two_border_radius=”0″ button_two_letter_spacing=”2″ button_two_font=”Montserrat|||on|” button_two_use_icon=”off” module_alignment=”left” animation_style=”fade” title_font_size_tablet=”” title_font_size_phone=”40px” title_font_size_last_edited=”on|phone” button_one_text_color_hover=”#6eba01″ button_two_text_color_hover=”#6eba01″ button_one_border_color_hover=”#ffffff” button_two_border_color_hover=”#ffffff” button_one_border_radius_hover=”0″ button_two_border_radius_hover=”0″ button_one_letter_spacing_hover=”2″ button_two_letter_spacing_hover=”2″ button_one_bg_color_hover=”#ffffff” button_two_bg_color_hover=”#ffffff” global_colors_info=”{}” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_one_text_color__hover_enabled=”on” button_one_text_color__hover=”#6eba01″ button_two_text_color__hover_enabled=”on” button_two_text_color__hover=”#6eba01″ button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_one_border_color__hover_enabled=”on” button_one_border_color__hover=”#ffffff” button_two_border_color__hover_enabled=”on” button_two_border_color__hover=”#ffffff” button_one_border_radius__hover_enabled=”on” button_one_border_radius__hover=”0″ button_two_border_radius__hover_enabled=”on” button_two_border_radius__hover=”0″ button_one_letter_spacing__hover_enabled=”on” button_one_letter_spacing__hover=”2″ button_two_letter_spacing__hover_enabled=”on” button_two_letter_spacing__hover=”2″ button_one_bg_color__hover_enabled=”on” button_one_bg_color__hover=”#ffffff” button_two_bg_color__hover_enabled=”on” button_two_bg_color__hover=”#ffffff”][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”on|on|on” module_class=”our-calculators-cont” _builder_version=”4.22.2″ _module_preset=”default” background_color=”#f6f6f6″ disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.22.2″ _module_preset=”default” custom_padding=”3px|||||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” header_2_font=”Barlow|700|||||||” header_2_text_align=”center” header_2_text_color=”#202d62″ header_2_font_size=”42px” header_2_line_height=”1.2em” custom_margin=”||13px|||” header_2_font_size_tablet=”30px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus. Pellentesque sapien velit, condimentum in lacinia in, faucibus in massa. Cras iaculis congue est, ut iaculis ipsum interdum in.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.27.5″ _module_preset=”default” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.24.2″ _module_preset=”default” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Construction Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][et_pb_blurb title=”HELOC” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.24.3″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_top=”2px” border_width_right=”2px” border_color_right=”#707070″ border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Co-op Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][et_pb_blurb title=”No Income Check” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”DSCR Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][et_pb_blurb title=”ITIN Home Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_right=”#707070″ border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.24.2″ _module_preset=”default” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”DSCR Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.4″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Bank Statement Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.4″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”HELOC” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.4″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”1099 Only Program” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.4″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Co-op Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Foreign National Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.4″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Construction Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”No Income Check” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”ITIN Home Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_right=”#707070″ border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_class=”our-calculators-cont” _builder_version=”4.24.2″ _module_preset=”default” background_enable_color=”off” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.22.2″ _module_preset=”default” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” header_2_font=”Barlow||||||||” header_2_text_align=”center” header_2_text_color=”#417ebb” header_2_font_size=”42px” header_2_line_height=”1.2em” header_2_font_size_tablet=”30px” header_2_font_size_phone=”28px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” text_font=”Barlow|300|||||||” text_text_color=”#202d62″ text_orientation=”center” custom_margin=”8px|||||” custom_padding=”||||false|false” custom_padding_phone=”||||false|false” custom_padding_last_edited=”off|desktop” global_colors_info=”{}”]<\/p>\n We offer a broad selection of mortgage programs to support homeowners, buyers, and real estate investors across the state. From conventional and government-backed loans to specialized Non-QM, investor, and alternative income programs, our offerings are structured to accommodate a wide range of property types and financial profiles.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.27.5″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Conventional” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” min_height=”260px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Aggressive terms for qualified borrowers purchasing or refinancing primary residences, second homes, or investment properties.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Bank Statement Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” min_height=”260px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”HELOC” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” min_height=”260px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”1099 Only Program” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n For independent contractors who qualify based on 1099 income, without complete tax return documentation.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Co-op Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Specialized mortgage programs for cooperative properties, accounting for building financials.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Foreign National Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Mortgage options for non-U.S. residents looking to purchase or refinance property in New Jersey.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Construction Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Short-term financing to build or renovate a property, with funds released in stages as work is completed.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”No Income Check” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Programs qualify borrowers without income verification, focusing instead on assets and equity.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”ITIN Home Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Borrowers without a Social Security number can purchase or refinance using an Individual Taxpayer Identification Number.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”DSCR Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Allow real estate investors to qualify based on a property\u2019s cash flow rather than personal income. <\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”FHA \/ VA” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Home Equity” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”on|on|on” module_class=”journey-box journey-box-row” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||true|false” disabled=”on” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Hometown Heroes” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.24.2″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Bank Statement” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#505050″ body_font=”|300|||||||” body_text_align=”left” body_line_height=”20px” custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_width_right=”2px” border_color_right=”#707070″ border_width_bottom=”2px” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop”]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=”on|on|on” _builder_version=”4.24.2″ _module_preset=”default” max_width=”1240px” disabled=”on” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjU1In19@” button_text=”View All Programs” button_alignment=”center” _builder_version=”4.27.4″ _dynamic_attributes=”button_url” _module_preset=”default” custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#417ebb” button_border_color=”#152f6a” button_border_radius=”5px” button_font=”Barlow||||||||” custom_padding=”|30px||30px|false|false” locked=”off” global_colors_info=”{}” button_bg_color__hover_enabled=”on|hover” button_bg_color__hover=”#152f6a” button_bg_enable_color__hover=”on” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#FFFFFF”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.5″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||false|false” border_width_bottom=”2px” border_color_bottom=”#707070″ border_width_bottom_tablet=”0px” border_width_bottom_phone=”0px” border_width_bottom_last_edited=”on|tablet” collapsed=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Conventional” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|desktop” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|phone” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Aggressive terms for qualified borrowers purchasing or refinancing primary residences, second homes, or investment properties.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” border_width_right=”2px” border_color_right=”#707070″ border_width_left=”2px” border_color_left=”#707070″ border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” border_width_left_tablet=”0px” border_width_left_phone=”0px” border_width_left_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”Bank Statement Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|desktop” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|phone” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n No personal income verification required. Qualify using 12-month bank statement deposits.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”HELOC” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Home Equity Line of Credit. Up to 90% of the value.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.5″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||false|false” border_width_bottom=”2px” border_color_bottom=”#707070″ border_width_bottom_tablet=”0px” border_width_bottom_phone=”0px” border_width_bottom_last_edited=”on|tablet” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”1099 Only Program” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|phone” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n For independent contractors who qualify based on 1099 income, without complete tax return documentation.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” border_width_right=”2px” border_color_right=”#707070″ border_width_left=”2px” border_color_left=”#707070″ border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” border_width_left_tablet=”0px” border_width_left_phone=”0px” border_width_left_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”Co-op Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|desktop” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|phone” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Specialized mortgage programs for cooperative properties, accounting for building financials.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Foreign National Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Mortgage options for non-U.S. residents looking to purchase or refinance property in New Jersey.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.5″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||false|false” border_width_bottom=”2px” border_color_bottom=”#707070″ border_width_bottom_tablet=”0px” border_width_bottom_phone=”0px” border_width_bottom_last_edited=”on|tablet” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Construction Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|phone” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Short-term financing to build or renovate a property, with funds released in stages as work is completed.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” border_width_right=”2px” border_color_right=”#707070″ border_width_left=”2px” border_color_left=”#707070″ border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” border_width_left_tablet=”0px” border_width_left_phone=”0px” border_width_left_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”No Income Check” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|desktop” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|phone” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Programs qualify borrowers without income verification, focusing instead on assets and equity.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”ITIN Home Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Borrowers without a Social Security number can purchase or refinance using an Individual Taxpayer Identification Number.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.5″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||false|false” border_width_bottom=”2px” border_color_bottom=”#707070″ border_width_bottom_tablet=”0px” border_width_bottom_phone=”0px” border_width_bottom_last_edited=”on|tablet” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”DSCR Loans” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|phone” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Allow real estate investors to qualify based on a property\u2019s cash flow rather than personal income. <\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” border_width_right=”2px” border_color_right=”#707070″ border_width_left=”2px” border_color_left=”#707070″ border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”on|tablet” border_width_left_tablet=”0px” border_width_left_phone=”0px” border_width_left_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_blurb title=”FHA \/ VA” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-3.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|desktop” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|phone” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Our FHA loans go as low as 500 credit scores.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Home Equity” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-55.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”programs-blurb-img” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” image_icon_custom_margin=”||||false|false” image_icon_custom_margin_tablet=”||||false|false” image_icon_custom_margin_phone=”||||false|false” image_icon_custom_margin_last_edited=”on|phone” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” text_orientation_tablet=”” text_orientation_phone=”center” text_orientation_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\n Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut laoreet lacus.<\/span><\/p>\n Learn More<\/a><\/p>\n [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” disabled_on=”off|off|off” _builder_version=”4.27.5″ _module_preset=”default” max_width=”1240px” custom_padding=”0px||0px||false|false” border_color_bottom=”#707070″ border_width_bottom_tablet=”0px” border_width_bottom_phone=”0px” border_width_bottom_last_edited=”on|tablet” collapsed=”on” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Hometown Heroes” image=”https:\/\/nysck.com\/NewJerseyMortgages\/wp-content\/uploads\/2024\/03\/Group-2-1.png” icon_placement=”left” image_icon_width=”66px” content_max_width=”100%” icon_placement_tablet=”left” icon_placement_phone=”top” icon_placement_last_edited=”on|phone” module_class=”icon-check” _builder_version=”4.27.5″ _module_preset=”default” header_font=”Barlow|700|||||||” header_text_color=”#202d62″ body_font=”|300|||||||” body_text_align=”left” body_text_color=”#202d62″ body_font_size=”14px” body_line_height=”20px” custom_padding=”40px|20px|40px|20px|true|true” custom_padding_tablet=”50px|50px|50px|50px|true|true” custom_padding_phone=”50px|0px|50px|0px|true|true” custom_padding_last_edited=”on|phone” hover_enabled=”0″ header_text_align_tablet=”” header_text_align_phone=”center” header_text_align_last_edited=”on|phone” body_text_align_tablet=”left” body_text_align_phone=”center” body_text_align_last_edited=”on|phone” border_color_bottom=”#707070″ border_radii_tablet=”” border_radii_phone=”” border_radii_last_edited=”on|tablet” border_width_right_tablet=”0px” border_width_right_phone=”0px” border_width_right_last_edited=”off|desktop” border_width_bottom_tablet=”2px” border_width_bottom_phone=”2px” border_width_bottom_last_edited=”on|phone” global_colors_info=”{}” border_radii__hover_enabled=”on|desktop” sticky_enabled=”0″]<\/p>\nNew Jersey Mortgage Programs<\/h2>\n