First Lenders Mortgage

800-280-2777

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Low
New Jersey Mortgage Rates
Guaranteed!!

We are the premier source of financing for New Jersey Mortgage Loans. We educate our clients about every option available so they have the power to make informed decisions about what's right for them. If your looking for New Jersey Mortgage financing then look no further than First Lenders Mortgage of New Jersey!

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NJ FHA

Our New Jersey FHA mortgage loans allow for purchasing a home with little down and secure fixed rates. Refinance with an FHA loan. No cost refinancing with NO CREDIT SCORE qualifying.

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NJ Jumbo

We offer Jumbo mortgage Loans for your purchase or refinancing needs up to $10 Million with rates among the lowest in the country. Loans are considered jumbo loans when they exceed $424,100.

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NJ COnforming

Our New Jersey conforming loans allow for low fixed rate purchase and refinance mortgage loans. NJ loans are loans under $424,100 with full documentation.

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documentation List

Lending guidelines sure have gotten tougher over the past year. Lenders are requiring more and more documentation than ever before! As a result, we at First Lenders Mortgage thought it would be a good idea to provide an “UPDATED” list of what is required by banks when applying for a mortgage! You most likely DID NOT have to provide some of these the last time you applied for a loan. These are Fannie Mae and Freddie Mac guidelines and apply to all lenders!

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Originator Vs. Banker

Check out why you should choose First Lenders Mortgage, a Mortgage Loan Originator, over a Bank or Direct Lender in today’s Mortgage Market Environment.

Getting pre-approved for a mortgage is a critical step in the home buying process. Many people make the mistake of finding a home, making an offer, and then trying to secure their financing.

This is a very big mistake for several reasons.

First off obtaining a new jersey morgage pre-approval will give you more bargaining power when you go to make an offer on a home. Not only will you know exactly how much of a home you should be looking for, but when you find that home you will be able to tell the seller that you are as good as a cash buyer because you have already been pre-approved, you just needed to pick out your home!

This negotiating power will allow you to secure a lower sales price on your purchase contract. Studies have shown that offers made with pre-approvals are accepted over those without 97% of the time!

Before or as part of hte NJ mortgage pre-approval process you will know exactly what your credit scores are, which loan program is best for your situation, and what interst rate and payment you will be looking at.